BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account below is not mines. I have attached complaint sent to company and attorney general of Florida. 


XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00} Needs Attention

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 2020-05-13
Company: Experian Information Solutions Inc.
State: KS
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:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

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 2020-05-13
Company: ECMC GROUP, INC.
State: PA
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:
ECMC is a collection company that has a private student loan debt that is more than 10 years old that has never had a payment made on it and is still reporting the debt as originating in XXXX which is not possible because I last attended school in XXXX and with the debt being more than 7.5 yrs old the company refuses to stop reporting it stating that I had made a payment in XXXX which is false.

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 2020-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has been repeatedly calling me concerning an old debt that was sold to them by XXXX  XXXX, back in XX/XX/XXXX, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/XXXX. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: KS
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:
When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. 











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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Receivables Performance Management, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mines, I have no knowledge of this debt until it was posted on my credit report. Please remove from my credit report. Provide a signed contract from myself, proof of validation. Please I will not email you. I want all communition done between CFPB and this company done via this complaint. This is my second attempt to have this removed from my credit report. I provided enough information for you to do a thorough research. I have uploaded what I have of this debt that is reporting on my police report. Maiden name is 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
Consumer complaint received 2021-02-02
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2018-04-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Bought a TV through PayPal Credit/Bill Me Later back in XX/XX/XXXX. With my current balanced added with the TV, my minimum payments were around XXXX a month. In XX/XX/XXXX the TV was refunded back to PayPal credit for its full amount and when it was my new minimum payment raised to XXXX a month. When I called PayPal credit for clarification they told me that because that promotional offer was done that my new minimum payment was XXXX. I told them it didn't make sense because I made on time payments every month and gave them a refund for the TV full amount. They stated after that the promotional offer no longer being there is the reason for the new minimum I told them I wasn't able to pay that minimum and the logic of my new minimum made no sense they said their was nothing they could do and that was the last time I spoke to PayPal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, the mortgage company that holds my mortgage Select Portfolio Servicing withdrew via checking account XXXX without my verbal consent. I immediately contacted the company to ask them to expedite the claim to return the funds back into my checking account. As a result of their error, my account was overdrawn more than {$500.00} dollars. This occurred during a snowstorm and I have two children. I had other bills scheduled to be paid that could not be processed. This caused so much stress, irritation, and frustration. I called the company several times on XX/XX/XXXX, XXXX, and XXXX. To no avail did they give me an exact date as to when my funds would be available refunded. Every time I spoke to a representative from Select Portfolio Servicing they provided conflicting information about the process for refunding the funds and could not provide a definitive timeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XXXX/XXXX/2018

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 2020-05-13
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This loan we originally held by another lender ( pelican auto finance ) that sold it. When it was sold they sold it for the original loan and the we place Westlake financial begin to try to collect on the full amount of the loan asfter i had had the car for several years. I contacted them when i was out of work on medical leave about deferring they payments but they did not want to help. Then i surrender the car and they would not pick it up or give me a place to take it. They refused to collect the car and told me they would just keep it on my credit. The care is not worth whats on my credit and as far as the value i have paid it but they are still negatively reporting that i owe $ XXXX on a XXXX XXXX XXXX that i am no longer in have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter in XXXX 2020 about Covid Relief program through Bank of America. At that time, my renters were unable to pay their rent which covers my mortgage payment on my rental property. I was not given the correct information from Bank of America that this program would put my loan into forebarance. I recently tried to refinance my current home and was told I would not be able to for 12 months because of the BOA forebarance. I have tried to work with BOA to get that removed from my credit as I was not informed it was going to affect my credit. I did not need that program and now I am unable to refinance due to being mis-lead.

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 2020-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of 2019 i found out equifax had a alert on my report. Ive asked them to remove it numerous times with no action taken. Ive mailed and faxed all paper work needed to prove who i am about 15 times and to this day im still sending documents proving who i am. As of XX/XX/XXXX the alert is still in my consumer report. Ive tried applying for credit and i still cant get it due to equifax. I dont know what to do. Please help me!!! They keep asking me security questions that dont have nothen to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
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:
I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company

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 2019-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
around the month of XXXX Equifax placed a freeze on my account. when a company by the name of XXXX XXXX ran my credit on XX/XX/XXXX, they charged me a XXXX deposit because of the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: MN
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 previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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: Account information incorrect

Complaint:
On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Experion charged my XXXX XXXX credit card XXXX for a Experion membership on XXXX XXXX. I called XXXX XXXX to dispute the fraudulent charge. I have in the past ordered services from Experion credit reports. I did not start a paid membership or a subscription. Experion just charge my credit card account without my agreement orauthorization. I have had to make hours of phone call requested another card sent to me. Conference call withExperion and XXXX XXXX to cancle a quote memebership that I did not sign or authorize. The phone number for Experion is so bad. I have to lie to the automated system and tell them I am business to get a human being to answer. Experion is a credit bureau their business model and the way they do business is criminal. The government needs to step in and make Experion pay for its corrupt business practices

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT 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 explanation
Consumer complaint received 2020-05-13
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, i was sued by XXXX XXXX  service back in XXXX of 2018. They sent a letter to garnish my wages. I have made several attempts to work out this debt with a better payment option than a 25 % garnishment. I spoke with the XXXX firm through their online system and also the phone. I am a fulltime XXXX student with XXXX children, my hours have been reduced due to school and now with the current situation. I am only working about 10 to 20 hours a week. The loan was for approx {$4500.00}, and they won the case for nearly {$14000.00}. I tried to get it reduced by paying a lump sum, and they refused. I also had endurance on my loan that only paid {$930.00}. I wanted to get them to update my credit to show this payment and have gotten ignored. This has been an ongoing issue with the firm, and its already been are to make any money to survive as is. I am sadly contemplating bankruptcy, so I have some kind of breathing space. They used a secure messaging site that no longer has our communications. I am unsure if there stopped using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation