BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I never made any of these purchases but I have tried to talk to XXXX and my financial institution and neither place will help me get my money back. 
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX ) XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ( XX/XX/19 XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Date of purchase, XX/XX/XXXX Date of return of defective itemXX/XX/XXXX{$62.00} interest fees charged This was a purchase at XXXX where there was a screw missing. One was not sent, item returned. This is how XXXX XXXX issuer of XXXXr cc gets their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX  XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX  XXXX {$110000.00}

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 2020-07-31
Company: KEYCORP
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: Account status incorrect

Complaint:
We filed bankruptcy in 2015 but never foreclosed on the home and continued making on time payments to Key bank. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to Key Bank they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with KeyBank has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SECURITY FINANCE CORP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Security finance in Louisiana calls my phone just about every day. I have put this personal loan into a debt consolidation program and they have sent power of attorney and communication by mail. They are still harrasing me and calling my work when I told them not to. Being very nasty attitude. This has been non stop since XXXX. They are even harassing my family and threatened to turn me over to a lawyer and garnish my wages.

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 2020-07-31
Company: WELLS FARGO & COMPANY
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:
I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, XXXX  and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX  and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a XXXX  military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is in my wifes name, but is reporting as a collection on my credit report. The company wants me to pay money to take it off my report, but the account isnt in my name. The account was opened XX/XX/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 2018-06-25
Company: EQUIFAX, INC.
State: AZ
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 a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: EQUIFAX, 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:
EQUIFAX HAS BEEN REPORTING ACCOUNTS THAT ARE FRAUDULENT AND NOT MINE. I HAVE REQUESTED NUMEROUS TIMES FOR THE FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX XXXX {$110000.00}

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 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In about XXXX or XXXX of 2021, I started receiving correspondence from Bank of America about an account that I had not opened. I called in XXXX and yet I still receive statements. Perhaps in XXXX I contacted the CFPB, and the bank has responded as of XX/XX/2021. 

Their response does not address the fact that I never opened this account and would like it closed. Instead, the letter says that they have " accurately reported your account to the consumer reporting agencies ''. 

They state that this is not being reported on my file and the letter gives the information for XXXX  and XXXX. However, they will not close this fraudulent 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 2021-06-04
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called midland credit managment to see what amount I owed as they reported to my credit report on XX/XX/XXXX and the debt said it was 1 year and 6 months old. They stated that last time they spoke with me I said I was going to talk with an attorney and they marked on my account the name of a legal team I have never even heard of. They stated they can not speak to me or give me any information as I have an attorney. I told them that is false and I do not and they refused to help me or give me any info. The manager Got on the phone at my request and refused to help me and stated I had to send a letter to remove the lawyer info. I hung up. I called back and spoke with another representative that let me know the manager had marked my account to not receive any calls.I did NOT request that. He also stated there was a department that can remove the lawyer marking, as the management said that couldnt be done. I believe they have been harassing my account as an attempt to get back at me for who knows what. I would just like to know what debt I have so that I can dispute it and start payments. I have now spoken to 5 representatives and I still do not know my balance and still do not have an attorney as they stated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my Trans Union, XXXX  and XXXX credit report, are all fraudulent : 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 2020-01-21
Company: IQOR US INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Allied interstate did not send me a letter for allowing me to dispute this against XXXX XXXX that they are trying to collect for! But they will try to say that they did but I never received their collection letter. This is a new trick which collection agencies are pulling to put things on your credit before they send you a letter. I didn't get a letter even after the had placed it on 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 2021-06-04
Company: ACIMA CREDIT, LLC
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:
acima credit fka XXXX, account number : XXXX XXXX XXXX XXXX XXXX, XXXX, UTAH XXXX this company have allowed someone to open an account in my name under identity theft circumstances i have fought this company for over two years trying to have this remove from the the three major credit bureaus, after sending each major bureau notarized copies of police reports showing i was a victim of identity theft, only XXXX, and XXXX, removed Acima credit fka XXXX  from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  is reporting my payments every month through XXXXXXXX. However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}. 
There is a consorted effort with XXXX, XXXX, XXXX, Equifax and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to XXXX  that my balance went up {$240.00} and my FICO went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) Equifax also continues to report incorrect updates to my balances as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have never opened and or signed for the note loan under the account number in question with ONEMAIN that is being reported on XXXX  and XXXX When notifying ONEMAIN of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, XXXX and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX  deleted the information while XXXX  and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX ONEMAIN reported to XXXX and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified ONEMAIN, XXXX and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

ONEMAIN, XXXX and XXXX continue to report this account with a balance of {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: VA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT XXXX XXXX, U.S. Bankruptcy Court

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court

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 2020-07-02
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently received a collection letter from CREDIT CONTROL LLC, trying to collect an alleged debt with an alleged current creditor name : XXXX XXXX XXXX XXXX XXXX, alleged account Credit Control # : XXXX with an alleged balance of {$480.00}. I did not even know where this account is coming from, I am definitely sure that this account does not belong to me. I am also attaching a copy of Identity theft Police report that I filed on XX/XX/2018, regarding an issue with identity theft.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT WAS DELETED FROM MY FILE BY XXXX  AND XXXX  BUT TRANSUNION IS STILL SHOWING IT 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 2017-08-01
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: Account information incorrect

Complaint:
On XXXX XXXX, 2017, the consumer agencies, XXXX, XXXX and TransUnion mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, XXXX and Transunion sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that XXXX provided to me and the various credit scores lenders actually use. As a result, XXXX, XXXX and TransUnion credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.

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