BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: AL
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:
There is invalid address on my report My correct address is XXXX XXXX XXXX, XXXX, al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I bought a t-shirt for {$20.00} from XXXX and had problems setting up auto-pay. In the end I paid the balance off and called to close the account. I was told this was taken care of so I cut up the card. 

I have continued to be billed for various bogus charges, late fees, etc., and have been unable to get anything done despite massive effort over a long period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: NC
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 am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called on XXXX to ask that my account get closed. I was told that the " request was put in '' to close it. 
However, the account is still open as of XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Prosper Marketplace, Inc.
State: MO
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 5 years. 

Prosper is reporting me Negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute and there was no change. They reported back to the dispute that everything was correct. This is showing as a negative account on my credit report and is absolutely not correct. It also is showing no payment history from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-02-27
Company: Paypal Holdings, Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is against Venmo. I have my checking account -and debit card attached to my checking account- with Venmo. I opened my Venmo account at the end of last year so I could make payments to my XXXX sports coach. Only yesterday was I alerted I had been sending payment to the wrong account. The wrong account holder, which has a very similar name to the coach, knew the money was not fir him since I would write a personal note with each payment. I contacted Venmo customer service and spent hours in chats being given the runaround, being told conflicting information and finally, after my demand for payment from the fraudster was denied, Venmo essentially told me I was on my own. The total amount is {$120.00}. Venmo said they will supposedly reverse the first {$25.00} payment so it should be {$100.00}. I have screenshots of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, CHILD SUPPORT XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
fair collections and out is reporting and account that was paid proper to it being sold, ive advise they refused to validate with company so I paid it a 2nd time and was told it would be removed that was in 2017 and they haven't made any attempts to resolve issue which is affecting 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 2021-04-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The balance on my home loan was paid off and the funds was wired on XX/XX/21. I haven't received a " satisfaction '' of my mortgage being paid off and show it's been recorded from the mortgagee. I have called several times and either it has been sent out and they will resend it. Now that rates are low, I would like to get new loan, but can't do until this is resolved! I've had issues with these people before regarding the escrow account with this loan. It seems it goes to deaf ears. Now that the mortgage has been paid off, it's happening all over again. I have been calling Shellpoint every month for the past year regarding their accounting being incorrect which backup copies from the county tax assessor 's office have been verified and sent from the county tax assessor 's office. The worst experience I've ever had with a loan service. Hence, the reason to pay them off! I've had it with them!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX AAA credit card changed banks from Bank of America to XXXX XXXX New cards were issued to members but I did not receive. Multiple calls to AAA regarding this were not resolved. They continue to say new cards are on their way but I have not received. In addition possible fraudulent activity is present on my account however they continue to say I can not access my account until I receive my card. I also can not verify with AAA that continued late fees and interest will not be applied to my account since I can not make a payment. Many calls to AAA have not resulted in a resolution. I feel that my financial information has been compromised and that they are not taking this seriously.

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 2023-02-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-26
Company: Experian Information Solutions 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mother, XXXX XXXX, ( deceased approximately 10 years ) must have had a second mortgage with XXXX XXXX XXXXXXXX, that is now referred to SPS select Porfolio servicing, Inc. They put my home in foreclosure. XXXX XXXX XXXXXXXX may have sold my account to XXXX who suppose to work with me on this subject matter but SPServicing keep asking me for the same information over and over for approximately XXXX XXXX months, which is sent from the XXXX XXXX. SPS mentioned the information is not clear or legible. They have the account in my mom 's name who is Deceased and refused to put the account in my name, as I was told by the Supervisor and others they have all that is required. I call the next day, the same thing they do not have the documents. I am the owner since my mother have deceased of the home but they will not recognize my ownership. It appears to me they are trying to force foreclosure that I was trying to stop and make a reasonable offer. I have read views that houses have been taken by them as they are stalling until the foreclosure date is XX/XX/XXXX. I would like to keep the house and is willing to make a reasonable settlement on my deceased mother 's behalf. It also has been written off and a judge signed the paper stating off call in XXXX but a letter came to the house a few days ago noting XXXX. I have also been impacted by XXXX in XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have a Hard credit inquiry on my credit report from XXXX XXXX Again I have not authorized this inquiry Again I did not give permission. This is a 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute account do not belong to me. Please block/remove this account. 

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 non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$350.00XXXX XXXX XXXX XXXX XXXXXXXX Reference 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 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
Hi I purchased a XXXX XXXX XXXX from XXXX XXXX  of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX Chase repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a XXXX  and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX  did file with FTC. Chase has enter a Repo saying XXXXXXXX  the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX and Equifax are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX to XXXX {$3900.00} Account # XXXX World Financial # XXXX Her name is XXXX I asked for office address she didn't have office address!!! She keeps leaving messages and emails.. 
Barely trying to make it and want collect on the pandemic ...... 
Plus Thts Not my last she called me by ex married last name ( XXXX ) She threating to send documents to my HR garnish my wages!!!! 
And put a lien on my house if I didnt pay it!!! 
I told her to send me the document she said no until I paid it in full and only than she could send me the documents .... 
Tht was my ex-husband old bills which he has been incarcerated since XXXX This was open back. InXXXX It been over 24 years And they are still trying to collect She said last there was still activity on it XXXXWhich I know nothing abt... I have court documents where it states tht he Is responsible for any outstanding bills that we had together we divorced in XXXX... I told her tht too.. 
But still She keeps leaving messages to call her

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized

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 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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