BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: IL
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Had a Capitol One credit account that was opened in XXXX. Never sent to collections, shows charged off on my credit file in XXXX. Lawsuit filed XX/XX/XXXX, did not get any notice of the attempt to collect a charged off debt by Capitol One. The companies lawyers sued me and garnished my pay for an account that is over the collection statue in Virginia. Was not able to fight it due to the response guideline set by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I would like to opt out of all XXXX XXXX, XXXX, Equifax pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Due to the COVID-19 epidemic, all eligible tax-payers have been sent Economic Impact Payments. I was able to enter my information on the IRS.gov site and IRS updated the " Get My Payment '' portal on XX/XX/XXXX stating the following, " We scheduled your payment to be deposited on XX/XX/XXXX to the bank account below. '' The bank account I submitted to IRS is attached to my PayPal account and as of XX/XX/XXXX XXXX PST I still have not received the funds. I contacted PayPal multiple times to check the status and their customer service support has been anything but helpful. Here are a few of the responses they have given me : " XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank you for the information, it typically takes 3-5 business days for the deposits to be processed by the IRS. However, I don't see any deposits in your account. 
I would suggest you to wait end of the day, If the funds doesn't reflect, I would suggest you to check with the IRS. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation and understand youre concern with regard to direct deposit. 
I appreciate you bringing this to our attention, so that we can deal with this immediately. 
It usually takes 3-5 business days for the payment to reflect on your PayPal account when IRS disbursed the funds. It's still 4th business day today. 
I would request you to wait until tomorrow end of the day and if you still don't see payment on your PayPal account then you can contact us back. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX   is not available. 
I would like to inform you that the IRS checks takes 5-7 business days to clear and credit it to you. 
Thank you for understanding in this matter. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX, it was sent to you on XX/XX/XXXX and XX/XX/XXXX is bank holiday, 2nd and 3rd are weekend. From 4th XXXX it is now 4th day today. Please wait it will be credited to you. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Sorry for the inconvenience caused, The deposits are worked in batches. Those batches are worked throughout the day and there's no real rhyme or reason to who ends up in what batch when. As soon as your deposit gets processed to us we deposit it to the account. This process is done throughout the day until the close of banking business XXXX XXXX Pacific Standard Time. '' At no time was I able to speak with a representative on the phone, raise my issue to a supervisor or gain any meaningful update about the status of the payment. I am going to be homeless in a few days and I really have no hope for remedying this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: HW Holding, Inc
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A phone call was received on XX/XX/XXXX XXXX from XXXX XXXX Office of hunter Warfield on behalf of XXXX XXXX XXXX XXXX in regarding the debt collection in the amount of XXXX some change ( I dont recall the exact amount ). After a phone conversation was finished, the resolution came out to be a 50 % discount of the original debt and this was approved. However, when I requested a letter of acknowledgement from Hunter Warfield and I was denied because they will not provide any written notification about this requested. I also requested a phone recording as part of proof just in case I was being scam and I was denied again. In a situation like this, can I requested a letter of acknowledgement if agreement is done by verbally? I do not want to end up paying anything extra if the settlement is already agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Company states they sent notice of force placed insurance. I never received said named paper work. Apparently my insurance lapsed on XX/XX/2021 and I wasn't notified until XX/XX/2021. The insurance force upon me is significantly more expensive then i was paying and ever pulled my escrow into the negative. Tried to call XX/XX/2021 to finish putting this to issue to bed after getting my insurance company back on. the previous call was XX/XX/2021. I was told that is my problem and that I have to pay all fees and increases, because there records showed they sent a letter, which was not received.

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 2020-05-08
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 received an alert on my credit monitor that there was a credit inquiry made on TransUnion on XX/XX/XXXX. I accessed my Transunion credit report online, and saw a hard inquiry from a company that I did not recognize. I attempted to complete their online dispute processes, but there was no way to dispute this inquiry online. I contacted TransUnion, and they told me that I would have to contact the company first. Unlike other previous inquiries, I did not recognize this company and they did not have a phone number listed. The agent said that they did not have a contact number for them as well, and I would have to get a police report and then mail that along with a " Letter of Authorization '' to remove the inquiry. I asked if I could just upload this and was told that I had to mail it in as this was their policy to not accept online disputes of inquiries, citing a law and their policy. 
Nearly every item on my online credit report had an online option to correct : from addresses, to employment, to late reports -- except inquiries. The excuse that was given for no online dispute option was nonsensical, and TransUnion allowed a company to give very little information about themselves in order to access very much information about myself.

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 2019-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX - wells fargo charged my account {$35.00} overdraft fee when my ending balance on XXXX {$450.00} XXXX - account charged me 3x {$35.00} = XXXX overdrafts when my ending balance on XXXX was 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Ordered a weight bench from XXXX in XXXX, a gift for my XXXX son. Bench did not get delivered. at first XX/XX/XXXX kept delaying the delivery. then eventually it said it was out for delivery but it never came that day and status was switch to delivered. have been going back and forth with XXXX XXXX and my bank. XXXX confirmed that the package was delivered to the wrong address. it was an address on a street called XXXX. XXXX insured me that the package would be retreived but it was never delivered in the upcoming days. I still have not received the weight bench or a refund. 

Recently, XXXX have said that I would be refunded and the refund still have not been put into my 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 explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX/XXXX/XXXX I sent a letter to Transunion in regard to inquiries that were removed XXXX of XXXX and then added to my report without my knowledge Apparently around XXXX XXXX,. ( Which they ca n't do without written notice ). The company ignore my request which is why I 'm now filing a complain with the CFBP. 
The inquiries in question are as follow : 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 explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the XXXX XXXX XXXX I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the medical data systems I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit

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 2020-06-25
Company: Benuck & Rainey, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # XXXX XXXX XXXX XXXX  ( XXXX ) - Creditor I had never had any services provided by this company. I have no idea what kind of debt I owe when I had never had any services done to me. This could potentially be an identity theft. 

I will not pay for services I had never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On background pending charges come up on a XXXX case in XXXX WI I was not convicted of any charges there are fines I have to pay it is against state laws to discriminate on not hiring individuals on charges they have not been convicted of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ONLINE Information Services, 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 recently received a copy of my credit report and found an account that was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/21 I called TransUnion concerning unauthorized inquiries on my credit report. I was told to call the companies. I already did. I have been given the run around, and all I was given by TransUnion operator was the opportunity to buy some type of fraud credit protection plan. 

I was told by the companies that they couldn't help, meanwhile, I have these things on my 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 2020-09-15
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: Problem with personal statement of dispute

Complaint:
The company in question ( XXXX XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....

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 2018-03-13
Company: Eagle Accounts Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE GEORGIA DEPT OF HUMAN SERVICES HAS ILLEGALLY ACCESSED MY TRUST ACCOUNT AND MY CREDIT THROUGH ILLEGAL FRAUD. THEY NEED TO CLOSE THEIR ACCOUNT AND REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Possible Financial Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan at one point with possible finance and I was a victim of identity theft. So at some point this company wasnt getting paid their installments. I informed the company of this and paid the account of for deletion. For whatever reasons their stilll reporting it. Even though, XXXX  and XXXX  has deleted the account XXXX  is still reporting. Ive also attached proof of deletion below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: WA
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:
For months this Company has been calling me ( and 3 other family members who do not share an address with me ) about an old debt that I assumed was settled but can not verify. They state that they have repeatedly tried to serve me papers at my home address which they will not verify for me when asked. They emailed me a " contract '' but when I asked to mail me all documents and to verify this debt owed they refuse by saying that's not how the system works and they can not trust me to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There currently an account with XXXX/Comenity/XXXX/XXXX that is reporting in error on my credit files that does not belong to me/ At this time, I have requested for the company to provide me information regarding the account and validation of it belonging to me. As of XXXX they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.

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