BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2017-12-06
Company: EQUIFAX, INC.
State: AZ
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 been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was never provided with the interest rate of loan only a told amount to pay off after attempting to contact company I was told that it would be at 147 %. I was also not provided a statement or any forms to make repayment since that time company has reported late on my reports and has damaged my credit history.

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 2017-12-06
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. 
At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, XXXX, and Equifax on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from XXXX  or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is holding my money without giving me any reason. I have tried multiple times to make a withdrawal and each time it fails without giving me a reason, saying to try again later. Paypal agents told me that it would be fixed if I tried again 24 hours later. It has been over a week and still not fixed.

The total currently being held is {$7200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for XXXX  years and XXXX  months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!

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 2017-12-06
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks

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 2020-08-03
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:
XXXX potentially negative icon Potentially Negative StatusClosed. {$130.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$430.00} Date OpenedXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine

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 2021-02-22
Company: EQUIFAX, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX EQUIFAX : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 XXXX doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( Equifax XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
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 to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2021-03-02
Company: Possible Financial 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: Account status incorrect

Complaint:
In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from Possible Finance informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks Possible Finance would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: SC
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 Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus XXXX XXXX and Equifax wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.

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 2021-09-06
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
under the fair credit reporting i have a right to all my documentation, all print outs of the dates and times i was at the facility and a print out of all my signatures and dates that i signed paper work. i have a right to all and any information with my information on it. the company sent a itemized report. i requested actual documentation with my signature on it. i have not received this. I also under COVID am under a financial strain, im currently on XXXX, and have been per the past year on unemployment and food stamps which i am unable to pay them under financial hardship my rights under the fair credit act is to have this debt relinquished. 
again i want proop of actual documents with my info my signatures and dates. a itemized list i can make up my self. i have a right to receive all documentations of a loan a company is trying to collect. also again under covid and government assistance i am freed from the debt under COVID. under the fair credit act a company has 3 months to collect a debt after that that is when they report it to your credit. XXXX is way off from their so called XXXX so called i was seen. also they have been removed from the bruearus and then re submitted in XXXX to replace themselves back on my report which is illegal and again against the fair credit act. i want actual proof not itemized list. i requested this several times and i get nothing. they are going around the law and ielgally trying to collect a debt. they actually were under a diffrent credit collection agency name. i will have to go locate my file in storage and pull it out and i will submit that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from my credit report that I owed a collection bill to ARS. I was not sure who this was or what it was for. After doing research I contacted ARS and they advised that they are a collection agency for XXXX XXXX XXXX and this was for a hospital bill. I advised that I had not received notification of this and would like to know more information because to my knowledge I did not owe this amount. The person became rude so I asked that she provide me the information for me to provide to my attorney to review before I proceeded with anything. At this time I was told to have the attorney contact them and hung up on. I then contacted back and was again told that they could not speak with me if I had an attorney, I advised that I never said that I had obtained representation, I stated that I was going to ask that my attorney review the information reported for advise. I then asked the representative I was now speaking with if it was standard practice to hang up on a customer, i was not rude or vulgur, I just wanted to understand what something is not that is now affecting my credit for such a minimal amount. She began to advise me that they can not speak with someone if they have an attorney, I again asked if it was practice to hang up on someone. I have gotten no where with this company, I still do not know what I am paying for. I want documentation on what I am being charged for and if that is unable to be provided I want this removed from my bureaus.

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 2020-02-07
Company: JPMORGAN CHASE & CO.
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 disputed an inquiry directly with Chase since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Bread Financial Holdings, Inc.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX   stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX  submitted the wrong paperwork. The representative instructed me to contact XXXX  and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX  and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX  Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.

Company response to consumer: Closed with explanation