BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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: Information belongs to someone else

Complaint:
I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-10
Company: Experian Information Solutions 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:
I sent letters to Experian XXXX and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) Experian XXXX and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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 2023-06-14
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Sallie Mae more than a few times about lowering my {$1600.00} a month payment. All they ever say is did you ask your co-signer for help and the answer is yes I did and my co-signer can not afford that either. Its super high and ridiculous. I barely make that in a month at work, how am I supposed live if Im paying that amount a month? Sallie Mae offers no other options and does not help or work with me on bringing the monthly payment down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: HILLTOP HOLDINGS, INC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had made a online payment of {$150000.00} towards principal on my loan with PrimeLending via online system. The amount was deducted from my bank account that was used to make the payment on XX/XX/2020 but has not been applied to the loan. On XX/XX/2020 PrimeLending transferred the loan to XXXX for servicing. Prime lending claim that the amount of {$150000.00} was sent to XXXX on XX/XX/XXXX. XXXX  claim that they have not received the amount. The amount does not reflect in my account and I am being charged interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband died in XX/XX/ 2017. About this time he started getting advertising and credit card information from XXXX XXXX XXXX. He had been ill for many years and had not even before then been in a XXXX XXXX XXXX let alone opened a credit account. They had never asked for payments. 
Today someone called from XXXX  (? ) agency seeking payments. He knew my husband had died and asked the date. When he started talking about money I hung up. I'm sure this kind of scam would have planted seeds of doubt in many widows. 
I'm am just reporting that this is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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 belongs to someone else

Complaint:
Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America sold my loan back in XX/XX/XXXX without sending notification of new assignment. In XX/XX/XXXX it was discovered after receiving default notices from Bank of America mortgage servicer " XXXX XXXX XXXX '', that Bank of America Transferred and recorded all their interest in this loan to XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX  is name as the mortgage loan Servicer. 

XXXX XXXX XXXX  is a Debt collector acting in the capacity of a mortgage loan servicer without consent from XXXX XXXX, or XXXX XXXX XXXX XXXX. A ASSIGNMENT DEED OF TRUST of this transfer was recorded XXXX XXXX. 

A letter dated XXXX XXXX, was sent to XXXX XXXX XXXX explaining the transfer discover on the Deed of Trust. XXXX XXXX XXXX refused to answer or return funds they collected after transfer, and continues to act as if the transfer never existed. 
An audit was done on this account and it was discovered that XXXX  XXXX XXXX committed a felony act by creating a delinquency for the purpose to foreclose on my property. I will be discussing this issue with the United States Attorney General Office as soon as their services are return to normal.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account Number 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 2021-05-25
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I got a problem from paypal account. Saying that I'm no longer do business with Paypal. I received this email last XX/XX/2023. I'm just accepting the customer payment thru this wallet. 

Please help me to restore this account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$750.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ), XXXX, XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1900.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$61.00} XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-05-25
Company: EQUIFAX, INC.
State: MI
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 is the holder for my Torrid card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received repeated calls from Diversified Consultants Inc regarding XXXX/XXXX  service that I canceled and owed a balance on due to programming and equipment fees that I have paid and the equipment has been sent back and therefore I have zero obligation to this debt. The programming fee of {$55.00} was drafted from my account on XX/XX/2019 ( See attached PAYMENT.jpg ). The equipment was taken to the XXXX store on XX/XX/2019 as I was instructed ( see attached .pdfs ). From that point it was the responsibility of XXXX to ship the equipment to XXXX/XXXX. .As the attached recording proves I contacted DCI on XX/XX/2019 to inquire if the equipment had been received and while on the call made the payment arrangement for the programming fee. I have since received at least two more calls from DCI stating that I still owed a balance to which I dispute. I instructed the last caller to cease and desist from calling me and that I would be filling this complaint. I will seek legal counsel and file suit for any additional calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to local branch to pay off my mortgage and they said they could not take my payment. So I called the XXXX number received a payoff amount ... bought a cashiers check for {$7.00} bucks and mailed the payment with letter to the PO Box . 
Three days later I received a second pay-off letter with a different amount. So they are returning my check because of their mistake. I called to get the new payoff, and then they charge me {$15.00} bucks to fax the payoff letter. On top of that I have to buy another cashiers check due to their error. 
I have documentation of all this if required. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Recently, I received a copy of my credit report from Transunion. 
The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires listed below : XXXX XXXX Inquiry : XX/XX/2022 I asked Transunion to please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry 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 2021-10-08
Company: Experian Information Solutions Inc.
State: NC
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 been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of 2021 due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( aB ( ili ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. ". Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my rights. The only thing left to do after this is file a case with the court because this has been going on since XXXX and they refuse to truly investigate. HIPPA is a very serious law and Experian is not acting like it. My rights have been violated by the collections agency as well as Experian and I would like those accounts removed from my credit files!

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 2023-03-11
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:
My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.

Company response to consumer: Closed with explanation