BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: FORD MOTOR CREDIT CO.
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX  XXXX XXXX  FI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, FORD MOTOR CREDIT add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to dispute a purchase for an item which arrived late and damaged, the amount of {$850.00} on XX/XX/XXXX. There appears to be no option to file a dispute on Comenity Bank site, a secure message was sent with details of transaction including late arrival and damage, no reply as of yet. A prior complaint was filed about this issue, Comenity rep referred me back to the merchant, XXXX XXXX, for resolution. Please note, I've been messaging the merchant for several days, weeks now, with no resolution. I requested a replacement part and credit for late arrival, I was only offered a small credit of {$50.00} with an extended warranty or a credit of {$75.00}, both with no replacement part.. I requested sale price of item as it was later on XXXX XXXX sale, as well as {$100.00} credit with replacement part, in which case both requests were denied. Their rep, XXXX, has been messaging me for several days, the last messages agreed to a replacement part but no credit, would not install part.. My last reply requested a return and refund in full, she requested a picture of a white tag on unit which there isn't one present. The item was supposed to arrive on XX/XX/XXXX between XXXX and XXXX XXXX, I was not living at the address at the time and had to make a trip over at XXXX XXXX, waited until XXXX XXXX  with a no call/no show driver. I called next day on XX/XX/XXXX, had to call and text driver several times before reaching him and getting an estimated delivery time of XXXX XXXX, had to make a second trip over that night ... When I moved in on XX/XX/XXXX, the unit was found to have several scratches on glass burner, reported to XXXX XXXX rep and promised a replacement part ... .I 've been messaging their rep ( s ) ever since with no resolution and request to dispute item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

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 2020-09-13
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the refinance process back in XX/XX/XXXX with Freedom Mortgage and it has been a constant roller coaster ride of contacts changing, numbers disconnected, issues with our address, incomplete information on the Mortgage side so they had to go back to square one. At one point the title company had said our property was paid in full. We kept being told it was with the underwriters but then it would be incomplete. We have dealt with an address issue 3 times because we have a po box ( this concept is not new ). We are still not closed, we just called again on Friday XX/XX/XXXX and was told they needed to speak with the manager and get back to us. But of course we have not received a call back. This refinance was going to cost us {$4000.00} but I was expecting it to be done by XXXX at the latest, were going on to 5 months now. Our locked in rate expired back in XXXX. I just want them to either say no we will not do this refinance so we can move on, or finish it. Again I was financially expecting this to be done by XXXX and it has caused us financial strain

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Servatus Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX, I had a XXXX breakdown due to a XXXX  of my partner. I had a account with XXXX XXXX XXXX which the balance was XXXX and went into a bad XXXX which I stop paying all my bills.I was getting harassing calls from them and the calls stopped. In XX/XX/XXXX, credit solutions corp which now has a balance of XXXX started harassing me with threats and obscene language a nd kept calling me from different numbers. I recently received my credit report and noticed I had a pending collection on my credit report.To my understanding, XXXX XXXX XXXX had a profit and loss on this account and some how got resold to Credit Solutions Corp . This activity is illegal and want this account removed from all XXXX credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX , XXXX has placed me into a personal debt collection notification with XXXX for a utility bill with XXXX XXXX XXXX XXXX. The debt amount of {$440.00} is owed from a property I no longer reside in which was from XX/XX/XXXX according to XXXX XXXX, XXXX. This debt must be paid by me personally. This was addressed on XX/XX/XXXX with XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX XXXX has notified me that the debt collection is official as of XX/XX/XXXX and there was 25 point credit score reduction. As of XX/XX/XXXX at this time XXXX XXXX XXXX , XXXX has not received a meter reading statement nor a utility bill for this debt. On XX/XX/XXXX I meet the written requirements of drafting a letter correspondence and mailing the meter and bill requests to XXXX XXXX  XXXX XXXX XXXX, NY XXXX requested by XXXX XXXX ,  XXXX based on my direct phone dialogue with XXXX XXXX, XXXX. There was a follow up call with XXXX XXXX XXXX , XXXX on XX/XX/XXXX in regards to them proving a bill, a proper contact with the Utility and there was differed statement that the manager is out of the office and would speak to me on Monday XX/XX/XXXX. I pressed again the notion to the agent from XXXX XXXX XXXX , XXXX which was do have bill for this debt and the agent debt collector wanted to get off the phone when I recited IRS and Federal Energy Regulatory Commission Obligations that the utility must proceed to provide in record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CURO Intermediate Holdings
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened an installment loan with Speedy Cash for {$650.00} on XX/XX/XXXX. I was paying {$90.00} every two weeks. In XX/XX/XXXX, I still owed {$600.00} on my loan. Before, XX/XX/XXXX I paid the loan on time. I can no longer make payments due to my financial situation. I called to see if their were other options available to me such as payment arrangements so I could pay my balance down. The customer service representative basically told me that I have to go into collections for your company to work with me. It's sad that I have stop paying to get some help! I feel that I have paid my loan amount in full. I would like all the payments that were made from XX/XX/XXXX to XX/XX/XXXX to be applied to my principal balance. I have paid Speedy Cash a total of {$1600.00}. Once you apply the payments, my balance will be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out to Equifax to cancel a freeze on my acct. However I am unable to make any changes as staff on phone said they can not prove I am the person requesting change. The woman had a difficult time understanding English or speaking it. 
I asked for a supervisor but never transferred after 30 minutes. 
There is old personal information on my credit report and current information not reflected at all. 
I want to make updates on my acct and unfreeze it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX  Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts have all been removed as of the latest report pulled online with TransUnion, XXXX, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Transunion Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : 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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

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 2020-09-14
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX, We want to know how the Bank of America allowed the XXXX XXXX XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/2017 given that the Bank of America had first lien position on the property. 

According to the XXXX XXXX XXXX of Deeds, the XXXX  XXXX XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife XXXX XXXX XXXX XXXX were given at closing on XX/XX/2017. 

We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. 

Thank you, 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 2020-09-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 I contacted Hunter Warfield Collections and spoke with XXXX. I clearly asked about a account regarding my wife XXXX XXXX. XXXX only asked for my name as identification and nothing else. He clearly discussed my wifes debt without her consent. He also clearly stated that there were not any notes disputing the account. After he acknowledged we have called in several times and did indeed dispute that the debt is not ours. But we were threatened by the original debtor to pay the debt or they were going to sue us. Which is illegal. XXXX clearly stated on a recorded line clearly all of the debt that is owed without any identification other than my name. No address, social not even phone number was obtained to verify who I was. I was with my lawyer on this call and we recorded this as well. As texas is a one consent party state allowing recordings. Once I notified XXXX of his errors he quickly recovered and tried to say he discussed this with me. Because my name is on the debt as well. That was never discussed on the call and again even if so no ID other than my name was used when he gave private information. Hunter Warfield as you will hear in the call also has not been handling the account properly. By not disputing this and kicking it back to the original debtor. Especially when there is a written threat of suing by owner to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2023 unauthorized transaction occured. I have been fighting off and on to get a dispute in which they have lied multiple times. Refused to actually even state or acknowledge the issue. Not even investigate since they had multiple network issues and breach in systems. I have even reached out Cash Apps main company Square Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: TX
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 had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2018-04-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to address this to XXXX XXXX - the bank currently in charge of the XXXX XXXX store credit card. To date, in XX/XX/XXXX alone I have been charged {$54.00} in late fees and {$10.00} in interest. To explain, I set up this account in XX/XX/XXXX and was making monthly payments. Then I set up automatic payments through my XXXX Checking account. This was an option available on the XXXX XXXX website. I have used automatic payments for my XXXX XXXX in the past and my XXXX Checking account successfully. However, when connected with XXXX XXXX somehow my payments failed to go through and a late fee was automatically charged. A reminder to pay my account was sent only after a late fee had been charged. Then, on XX/XX/XXXX they contacted my father regarding these payments, giving him authorization to my personal financial information. ( Something I do not have an issue with ) However, what I did find an issue with is when he attempted to a ) make any payment toward the account or b ) pay the account balance entirely and close the account he was not given authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello. Im attempting to purchase a home and my underwriters are asking if I have ever lived at XXXX XXXX XXXX, XXXX MD, XXXX. I have never lived there nor have no idea how this address is even listed on my credit report. The date reported was XX/XX/2019. I highly assure you that I have no explanation or how this address is even listed on my credit report. I feel I may be a victim of identity theft or there is someone who does not have anything better to do than to steal my SS and use it on the the day before XXXX. I would really appreciate any assistance on removing the listed address above from my credit report in hopes it does not derail my chance for a new home. Be well and thank you!

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have multiple issues with scams and the security of my account, which has caused my account to be overdrafted more than once

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX. My XXXX XXXX XXXX XXXX Expires. I leased a new XXXX XXXX XXXX. XXXX changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with XXXX XXXX XXXX XXXX, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by XXXX. 

I have pleaded with XXXX to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. XXXX and Transunion are extremely difficult to communicate. They w

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