BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In early XXXX, I miss my payment, I gets the call from u.s bank about missing payment after 30 days, I told them I didn't received any Bill yet can you Re send it then I wait again for the statement never received I went to the branch to make a payments they told me we already reports to CRA. I said well I request the statement to pay which I never received it. Why did this. Answer was you did pay your Bill. In XXXX I request to be removed from my report, I mail in the request to one of the u.s bank that are in charge of reporting, the branch gave me the address where to be mail to, I receive tge answer without fixing the problem, in the response was all information are accurate we can't remove it. So please can you help me to fix this issues. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: WI
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 recently in the past 6 months has disputed negative/unverfied items reporting on my Equifax, I spoke with a representative at Equifax and was told clearly that they would not submit my dispute letter that i mailed out to them on XX/XX/2020. Equifax clearly has not and will not respond to my 4th dispute letter that I mailed on XX/XX/2020. Attached is proof of my 3rd and 4th dispute letters that I mailed out to Equifax, with them not processing the 4th dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Me and my attorney filed and sent proper paperwork to AD ASTRA debt buyer for Speedy Cash disputing amount owed and requested proof. AD ASTRA could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved XXXX XXXX XXXX XXXX another debt buyer for Speedy Cash bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, ad Astra and XXXX are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: NY
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:
Equifax is currently reporting illegal activities on my credit profile. ( Please see attachments ). 

Portfolio recovery and associates- is a reaged account that appears on my Equifax credit profile XX/XX/2019. This is a violation. Please remove this account immediately. 

XXXX XXXX XXXX XXXX- is reporting a past due amount on a collection account. This is a violation. Please delete this account immediately. 

XXXX XXXX XXXX XXXX is currently delinquency on a collection account. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my husband and I received a letter from Specialized Loan Servicing LLC ( SLS ) regarding rules for dropping our PMI. We 'd received similar letters ever so often notifying us that we could drop our PMI when our home reached the required loan-to-value ratio. Our current home is our third home, and we are familiar with the loan-to-value ratio requirements for dropping PMI. We put a smaller down payment on our current home because we bought it " as-is '', and invested cash in renovations. Our thinking, based on past experience, was if we invested the cash in renovations, it would increase the value of our home thus moving us toward the loan-to-value ratio needed to drop PMI. Unfortunately, when I called SLS in XX/XX/XXXX to ask how to go about getting our house appraised to check the current loan-to-value, an SLS representative told me only the " Original Value '' of the home would be considered in loan-to-value calculations. I was disheartened to learn that our renovations and a new appraisal would not help us drop PMI with this company. I understand following the housing crisis policies have changed, but disregarding a well-documented ( receipts, appraisal, etc. ) appreciation in the value of someone 's home is unjustifiable. On the back of my SLS letter, it indicates that clients living in Texas, California, and Minnesota can use an appraisal to re-evaluate the loan-to-value of their home in efforts to eliminate PMI. As a North Carolina resident, I am wondering if there is a state law that prevents me from using an appraisal to prove appreciation to reassess loan-to-value or if this is an SLS policy. Either way, I am beside myself with regret if we can not drop PMI after our renovations. Had my husband and I been aware of SLS 's policy, it would have changed many decisions we made regarding our mortgage and down payment.

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 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Bank of America Suspended my credit card account on XX/XX/2019 and requested some documents which I am supposed to send them back by XX/XX/2019. I have already sent all the documents they have asked for and they should have received it by XX/XX/2019. However, they are telling me that they did not receive anything and if they do not receive it by XX/XX/2019, they will make a decision without those documents. This means they will close my account without even reviewing the documents I have sent them. I spoke with the Bank of America Employees and asked them to give me an extended time to resend the documents, but they rejected me rudely. it is not my fault that they have not received the documents. it is either their fault or the fault of United states Postal office.

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I asked the company what was their method of verification on an inaccuracy that I found on my report. The company stated that they verified the information from the US Court. This is a lie because I have written proof that the bureaus never verified with the US Court. This is a violation of my consumer rights and I am requesting it be removed along with any accounts associated with this inaccuracy.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
Company is causing my credit score to go down Experian Alert Date XX/XX/2019 Balance Amount {$1300.00} Is Collection No Open Date XX/XX/2019 Payment Status Grid Code 3 ( 90 Days Delinquent ) Status Date XX/XX/2019 Name XXXX/XXXX XXXX Phone ( XXXX  ) XXXX   Business Type BB Street Address XXXX XXXX XXXX City XXXX   State OH Zip XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Westlake Services, LLC
State: MD
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:
This account was paid off in XX/XX/2017 in full and its reporting charged off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
While cleaning during the pandemic, I found an Official Check for {$1000.00} given to me by my Mother for XXXX in 2004. It was drawn on Wachovia which was acquired by Wells Fargo. Wells Fargo gave us a ticket number XXXX, but has never responded other than to say they can not help us. I have checked with the state of North Carolina unclaimed money and nothing is there in my name. I know the bank got this money and I feel they should have to honor this check. It is my understanding this kind of check is the same as cash.

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 2018-07-08
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
I purchased a XX/XX/XXXXXXXX XXXX  with over 100k miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX   account balance. I have been disputing the correctness of this reporting with XXXX  and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.

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 2018-07-08
Company: Early Warning Services, LLC
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern : The company has flagged my name for fraud and warning. The company did a investigation and did not remove the mishap. Although I know its the companies responsibility it is not my fault and I shall not be punished for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Colony Brands, 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:
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: SYNCHRONY FINANCIAL
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:
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.

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 2021-02-06
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been getting my unemployment deposited in my chime account since XXXX My unemployment back pay was deposited XX/XX/2020 in my chime account and chime put a hold on my account now I cant access it I have sent over all the information that they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted my comenity XXXX XXXX for my credit card being due over 10-15 Times this week since Monday. I told them to quit calling, and they still proceed to call and change phone number, they call me from 2-3 different numbers a day ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One refuses to correct the incorrect late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX per the XX/XX/XXXX Capital One Credit Bureau Resolutions Department 's reply, copy attached, to my XX/XX/XXXX letter to the Capital One Credit Bureau Dispute Department, copy attached. 

In good faith, I made the the lower payment offers to me by Capital One verbally on XX/XX/XXXX and letters of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Capital One failed to advise me verbally on XX/XX/XXXX or in writing, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters, that making the lower payments would result in " Late Payment '' status of my account for these individual payments. 

If Capital One intended to classify the lower payments offered to be classified as " Late Payment '', I would have expected Capital One to fully disclose their intention of classifying their lower payment offerings would result in those accepted lower payment would be classified as " Late Payments '' in their XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The transaction was done over the phone. 
I had a total of {$3600.00} ( estimated ) and within just hours of 2 deposits my account was hit by this phone number and made an authorized money transfer. My card provider ( XXXX XXXX ) was contacted by me about this and they could only give me a phone number ... XXXX. 
I made an attempt to verify the company name but there was a message telling me that information to this number is not available and will require a court order to access. That right away set me off and I am now very interested in take full control of this person ( s ) accounts and all assets with company and private. 
This has put me at a very inconvenient problems. I have been through this once before and this time I am playing for keeps. 
Any information you can provide as this a Federal crime ( I am a VET ) and I am Federally protected. 
Would request your help in obtaining any information. 
Thank you very much in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
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: Personal information incorrect

Complaint:
I previously sent three update letters to all three credit bureaus, which are XXXX Experian and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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 2021-02-06
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: Personal information incorrect

Complaint:
I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing the charges, dates and amounts being charged. 

I have attached the original statement that was sent to me from the debt collector. 

You can see at the top right it says statement date is XX/XX/XXXX it then says statement covers Winter Quarter XXXX. 

The statement also has typing outside of the box which indicates to me that it is fraudulent. 

This is a discrepancy. 

I attended the school in XXXX and XXXX however there is a discrepancy in the documentation and it has not been removed from my credit report which is illegal. 

I am disputing the entire balance. 

I just recently disputed it and it was not removed even with the inaccuracy and supporting documentation that I provided.

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