BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: FACTUAL DATA CORP.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Shellpoint has failed to correct my loan to comply with a Federal Bankruptcy reaffirmation agreement. 
2. Shellpoint has given false testimony in XXXX XXXX XXXX XXXX Court that I have never paid any payments on the loan since 2011. 
3. Shellpoint has not corrected the escrow account 4. Shellpoint is trying to collect discharged debt calling it a BK fee in the courts and on a payoff statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: TX
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:
I AM LIVID WITH EQUIFAX AND XXXX XXXX. I HAVE BEEN TRYING TO UNLOCK MY CREDIT REPORT SINCE SATURDAY XX/XX/2017. FIRST I TRIED TO UNLOCK MY CREDIT REPORT ON XXXX 'S WEBSITE, BECAUSE I HAVE SOME URGENT BUSINESS TO TAKE CARE OF. THE REQUEST CAME BACK ADVISING THAT MY REQUEST FAILED AND TO CONTACT CUSTOMER SERVICE. WELL I HAVE BEEN TRYING TO GET MY CREDIT REPORT UNLOCKED. THIS HAVE BEEN A TOTAL NIGHTMARE AND I CAN NOT GET ANYONE AT XXXX AND EQUIFAX TO GET ON THE SAME PAGE!!!!!! THEY ARE NOT WILLING TO TALK WITH EACH OTHER TO FIGURE OUT A RESOLUTION. THEY WANTED US TO SIGN UP FOR THIS PRODUCT, BUT IT 'S NOT WORKING AS PROMISED. I SHOULD BE ABLE TO GO ON THE WEBSITE AND REQUEST TO LOCK AND UNLOCK MY CREDIT FILE WHENEVER I HAVE PERSONAL BUSINESS TO ATTEND TO. I HAVE LITERALLY BEEN ON THE PHONE ALL DAY!!!! CALLING BOTH COMPANIES JUST TO BE PASSED AROUND. YOU CAN NOT EVEN CANCEL THE XXXX XXXX SERVICE ONLINE. I WAS ADVISED TO CALL EQUIFAX WHO THEN KEPT TRANSFERRING ME TO XXXX XXXX. ITS LIKE THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING. THIS IS A HOT MESS!!!! I CAN NOT CONDUCT MY PERSONAL BUSINESS BECAUSE OF THESE COMPANIES AND THEIR SYSTEM FAILURES.!!!! I WANT THIS SERVICE CANCELLED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These accounts have been disputed on XX/XX/XXXX with no response from TransUnion and since sent another dispute on XX/XX/XXXX. They have gotten my letter along with my identification which was a copy of my current military id, copy of my Social security card and copy of my water bill. 

XXXX XXXX XXXX Account Number : On XX/XX/XXXX I reached out to TransUnion because the date of last activity shows XX/XX/XXXX on XXXX  but on TransUnion shows XX/XX/XXXX. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on TransUnion of {$4900.00} and XXXX  has a balance of {$5000.00}. The report sent by XXXX after my dispute the account now shows a balance of {$5000.00}. When I pulled my credit report on XX/XX/XXXX the balance showed {$5000.00}. Which has increased since the XX/XX/XXXX report. How does this collection account continue to increase the balance every month? 

This account is inaccurate and TransUnion has failed to response within the 30 Days to verified this information and has not responded in over 56 days from my dispute and 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 2023-01-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX & EXPERIAN is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX XXXX XXXX EXPERIAN to provide the documentation used to determine accounts was indeed authorized by the consumer, XXXX XXXX XXXX EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX EXPERIAN XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX XXXX XXXX EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2020-09-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX, I contacted PayPal after recieving an alert that my password had been changed. I had not changed my password and when I logged in, I saw that a debit card that did not belong to me had been added to the account. I was not able to get anyome on the phone so I communicted via PayPal 's message center with an agent. I was blown off and treated like the card was obviously added by somone in my household. I insisted it was not. I asked if a merchant could have added it as a form of a credit for a return and got not real answer so I left the card on my account thinking it must have been that. Fast forward to XXXX XXXX. I again got an email in the middle of the night confirmiong I had changed my password. I had not. This was followed by a half-dozen emails from PayPal about transactions I had nothing to do with. I never sold anything to anyone or requested money from anyone. The person who hacked the account, had money sent to the debit card I had alerted PayPal to months before. I quickly deleted the debit card and tried to contact PayPal. I got a basic message back telling me I was smart to delete the card and that was it. In the meantime, all these people opened cases against me for refunds. The choices I am given to respond are : I alrwady refunded them, I will refund them or I shipped the item. I HAD NOTHING TO DO WITH ANY OF THESE TRANSACTIONS!! And those are the choices they give you. I have called no less than a hundred times but yuo can't get an agent over the phone. I have emailed them the entire story with no response. I have tried their " Virtual agent '' again and no one responds. The cases total around {$500.00}! This is insane. PayPal 's security failed me and they are charging me for it. It seems like an obvious scam - adding a debit card to someone's account and then getting money sent to the card and transferring it from there. But PayPal blew me off when I reported it and now I can not even get a human being to help me. On top of that, the people who got conned have my email address from the transaction and have sent me threatening emails for taking their money. So not ony has PayPal disregarded my financial security but my personal safety as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to Wells Fargo and the 1st payment was due in XX/XX/XXXX. We set the payment up on Wellsfargo online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over XXXX. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and  WELLS Fargo. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after Wells Fargo to correct this.

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 2019-04-10
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Professinal Bureau of Collections started reporting a debt that I supposedly owe on XX/XX/2018 for the amount of {$12000.00}. This company never notified me that they were attempting to collect a debt, nor did they give me 30 days to dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Bread Financial Holdings, Inc.
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX booked vacation through XXXX from XXXX through XXXX in the amount {$930.00}. We were to stay at XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX received e-mail from XXXX that our trip had been cancelled due to Covd-19. I was advised that as of XXXX XXXX had paused operation and I would need to contact my credit card company to receive reimbursement. 
XXXX I contacted my credit card company, COMENITY-Orbitz  Rewards Visa Card by phone to receive credit on my account and was advised a dispute would be processed. 
My COMENITY-Orbitz statement showed a credit of {$930.00} plus XXXX interest fee but was again charged back to my account. 
XXXX I received a letter from Comenity requesting information which I sent to them by mail on XXXX. 
XXXX Comenity sent me a letter advising they had received my claim and notification would be made within 90 days. 
XXXX I received another letter requesting the same information. 
XXXX I called Comenity and talked to XXXX advising him I had already sent the information. He advised me to resend the information and that he would process another dispute. He advised that his supervisor had called the resort and it was still closed. 
XXXX received letter requesting information AGAIN. 
XXXX I sent information to them. 
XXXX received letter to Comenity advising they received my claim and they needed another 90 days to complete the investigation. 
XXXX called Comenity and was advised the case was closed in XXXX. I never received notification of this. I requested to speak to her supervisor as she could not give me an explanation. 
Was transferred to a supervisor, XXXX who advised she would send e-mail to dispute department and call me back on XXXX. She advised Comenity received the information they needed from me on XXXX. 
XXXX I called Comenity and talked to XXXX who left me on Hold for 30 minutes and was then cut off. I called back and requested to speak to a supervisor. Was connected with XXXX who advised she was a senior supervisor but could not help me in any way. She advised Waiting for dispute department to make a decision. 

I still have {$930.00} plus interest on my card and received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management. I called the number and XXXX answered phone. I told his company to send me a confirmation of debt. This needs to be wet signatures of all the items they claim I charged. They sent me a bill statement which is not a confirmation of debt. XXXX claims this account was verified by his company. Then I said it was confirmed by who, where, how and by who. Was it confirmed by a lawyer etc. I need the name address and phone number of person. Then I asked if he was based in the United States and he said he was from XXXX. I am verifying he is a independent person who does not understand the rules of United States. This debt is not mine. If all debts are written off for tax purposes and the debt collector buys the debt isnt this double billing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: OR
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/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX Experian and XXXX  that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

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 2021-09-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: OR
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/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and  was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX XXXX and Equifax that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower XXXX score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

Company response to consumer: Closed with explanation