BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year XXXX 2020. I began receiving notifications from the credit bureaus about a new account that appeared on my credit file. I contacted the credit bureaus and they told me that KLS Financial Services was reporting a medical debt to them. They instructed me to file a identity theft report with the Federal Trade Commission. I done that and sent a copy to KLS financial Services. But did not receive any response. I recently filed another and attached it to this complaint for your records as well as my own records of this situation. I never had any debt with this company. Can you please assist me with this matter Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt a judgment was entered on. I attempted many times to solved this problem without court action. Communicated with this organization and followed their direction. I advised them of my situation just they still, after payment in full Pursued and entered judgment on an account that was paid in full prior to the court date. In addition to that every time I called to make a settlement on this account I was told to call back and was not able to follow their instruction and they still entered judgment on a paid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
During the XX/XX/XXXX appliance sales promotion. I purchased three items for delivery on XX/XX/17. The morning of the delivery, I was told only one item was available and the rest would be available until XXXX or XXXX, but I still had to make payments to keep the special financing made during the promotion. 
This promotion for XX/XX/XXXX sales was deceptive, and predatory to get people to get their credit card for items the company knew had prolonged delivery dates. This credit predatory sale was to increase debt use by consumers when no product was truly made available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX Alerts are not deleted, I will also file a XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XX/XX/XXXXXX/XX/XXXX, Experian, XX/XX/XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, Transunion shows the 3 inquiries still, XXXX  one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion and XXXX  are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo business account got scammed for a large amount of money XXXX XXXX XXXX XXXX XXXX through XXXX  i dont watch this account that often because i have like 4 other businesses I would think my money would be safe in this business account but I reached out to the number on my bank statement that the charges were under and they didn't give me any information I called the bank telling them these charges were fraudulent I need a full refund the bank is doing there investigation but from my research Wells Fargo is good for denning claims and not protecting their customers knowing their customer is in the right hopefully the bank keeps their word and protects me and gets my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following Credit Reporting company below was contacted : Equifax, XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX ( XXXX ) XXXX The 1st letter was sent to Equifax company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed document with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( XXXX vs XXXX [ Equifax ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response! 

Please see the attach documents for more detail information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: 21ST MORTGAGE CORP.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage on a mobile home in North Carolina a year ago. On XX/XX/2021 my home was delivered to my land. The company that I bought the home from gets paid by the mortgage company or bank a financial institute that holds the construction mortgage pays forThe home and fall when its delivered to the land. As a consumer we need to change this policy. The home should be partially paid for and then paid in full when you get an occupancy permit. I have had my home on the land for over three months I still have no occupancy permit. Im paying a mortgage and a high rent plus a storage unit for my stuff because I sold a house Believing that my home was going to be ready within 2 to 3 weeks after it gets on the land. Thats not the case Ive heard multiple complaints about this. I want to know how I can go about making it a law that the financial institutes that finance mobile homes do not pay for the home in full until there is an occupancy permit. 
If you can lead me in the right direction to do this. It would be greatly appreciate it. Thank you XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been charged by XXXX  XXXX when I have never opened a XXXX account. The dates say between XX/XX/2019 til XX/XX/2019. I dont have a XXXX  account nor have I ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Credit Karma, LLC
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a credit karma account. I applied to at least XXXX credit card applications believing that I was pre approved for the cards because credit karma said so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC violations never lived here : XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX {$0.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$8300.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
New Complaint.

I had a credit card with Discover Financial Service with Cash back rewards for purchase! Discover NEVER gave me any of the promotional and contractual cash back rewards!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After receiving a letter from Equifax stating they are unable to verify my identity to remove incorrect information, I submitted on XX/XX/XXXX and XX/XX/XXXX via certified mail. Equifax still stating they have not received a copy of my id, ssn, and proof of address. I have sent that several times and they keep telling me they never received it. I am disputing the bankruptcies that are on my report. Their 3rd party verification department which is XXXX deleted the items off my report due to unable to verify. I sent Equifax the same paperwork so they can remove it off so i can finally purchase my home. It has yet to be removed and i have been dealing with this since XXXX. I need that information off my report due to as your laws they can not report incorrect information and it is still being reported. This is against the law. Credit bureaus get paid to report so that is why they keep giving me the run around so they can still get paid to report it but it's not accurate. I have proof that it is not accurate and it has been removed by all furnishers except for Equifax. Please have them remove these items or i will be taking them to court, and I will win. How does the company that they go to for verification remove the items and they don't this is insane and im tired of spending money to mail over this information just for them to keep telling me we need to verify your identity. Just remove it XXXX XXXX it should not take this long. This is stopping my future

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered a discrepancy on my credit report and I notified Equifax, that there was an open charge account for XXXX XXXX that was not mine. I notified XXXX XXXX  which is the holder for XXXX XXXX and they stated there was no open account for my name and social security number, but it's an open charge with Equifax. I do not have an open charge account with this company and have made no purchases. I need this to be corrected and removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquiries on my credit report on XXXX that does not belong to me from XX/XX/XXXX PENTAGON FCU, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXL XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation