BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: Southwest Recovery Services, Inc.
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:
Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, Southwest Recovery Services is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, XXXX sent first letter out to XXXX  and TransUnion ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.

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 2021-04-11
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 disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ALLY FINANCIAL 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:
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per 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 2021-04-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent several requests to Experian, XXXX  and XXXX  regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one  XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from 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 2018-07-18
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i noticed the the company and proved them i was in XXXX when the loan was signed and it came out my report from the original company but i guess this company bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-04-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against XXXX/Comenity/Wayfair. XXXX has placed false fraudulent information onto my credit files, and I want all of this false fraudulent information removed from all of my credit files. 

I am attaching a copy of my credit report, and the report clearly shows that Comenity has falsified information. 

For starters, I am disputing the {$1700.00} dollars that Comenity claims that I owe to them, I do not owe that money. 

Comenity has run up that balance themselves, with their usury interest charges and fees. I have had no dealings with Comenity since around XXXX or XXXX of XXXX, yet by what the credit report shows, Comenity has lied and claimed that I made a recent {$41.00} payment to them on this balance that I do not owe, and I have made no such payment. 

They are showing on the report as though I had dealings with them in XXXX, and that is in no way truthful. 
Comenity has manipulated the status data with the dates and amounts to justify this false balance that they are trying to charge me for. 

In the comment area of the report, Comenity is showing that they have another lender who has purchased this debt, and I have disputed this debt with Comenity before. Comenity continues to pass on this fraudulent information onto other collection agencies that are listing themselves onto my credit files as well, with these collectors not verifying the debt with me, they are listing both themselves, as well as Comenity with this debt, on my credit files, and I disputed with the collectors, and they as well as Comenity both continue to be listed on my credit files. 

I requested from the credit bureaus a copy of my credit reports, and this is how I learned about the collections being placed onto my credit files. 

My credit rating is being destroyed twice, by both Comenity, and the collection agencies reporting this false inaccurate information. 
Comenity is being malicious, they are intentionally slandering my credit, and they know that I did not run up that debt that they are ruining my financial life with. 

I want XXXX/Comenity/Wayfair, and their collectors, to cease and desist from harassing me. Any communication from, XXXX/Comenity/Wayfair can go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Running my credit and dropped my score XXXX points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: AMERISAVE MORTGAGE CORPORATION
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:
Ameri mortgage pulled my credit report XXXX all three XXXX without my consent. I didnt even give my social security number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Union Bank Credit Card ( Card ending in XXXX ) I used their Promo Balance transfer option. 
" Enjoy 0 % Promo APR on Balance transfer through XX/XX/XXXX '' ( 3 % fee ) I transferred {$8000.00} into my account and paid the {$240.00} fee. 
Total amount of {$8200.00}. Transfer on XX/XX/XXXX. 
Since I had 0 % interest till XX/XX/XXXX, I set up automatic Minimum payments on that account, but on the first payment, Union Bank took the total Balances of XXXX XXXX out of my XXXX  XXXX XXXX account. 
So they basically made the {$240.00} fee for them self. The {$8000.00} was in my bank for about 2 1/2 weeks. I called them several times and basically just got the " Run-around ''. 
Like saying someone is gon na look at it and contact me etc. Never got a call back. I called them like 5 times in a 10 day period. 
They just cashed in the {$240.00} and ran!!!!!!!!

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 monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2020-06-04
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: Information belongs to someone else

Complaint:
I was a/am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: FinCo Services Inc DBA Current
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have an acct with current card acct number XXXX and i also have another acct with them for some reason when i lost my card and they were suppose to send me a new card they sent me a whole new acct number also so XXXX  has been putting my stimulus money in the acct XXXX witch i open so long ago i dont remember the phone number or email i used at the time and dont have access to them anyway i have sent my picture of my id in to them all the correct info of my adress and ss # and i. Still haveing problems getting to this acct i have been trying since XXXX to get this resolved they kept the money and didnt send it back to irs for me to get the money from them they kept it and now wont let me have access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had our mortgage financed through AmeriHome. We refinanced in XX/XX/2020, with XXXX. We are owed an escrow refund of over {$3000.00} from AmeriHome. We have called several times since XXXX and have been given various responses saying, the check was on its way. The company clearly has our correct mailing address as we have received our tax paperwork stating we have received our escrow check ( which we have not received ). Each time we call, it is a 1+ hour ordeal and they assure us we will receive our escrow check by the end of the week. When we ask to speak to a supervisor, there is never one available. We are assured one will call us back within 48 hours and that never happens. 

When you contact AmeriHome and provide our account number, they will initially say it is an inactive account ( or something similar ) because the loan has been paid off, which adds to the difficulty of getting our escrow check. 

Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-09
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Apparently, according to XXXX XXXX, cashcall mortgage has sold my mortgage to XXXX XXXX. However I have still not received any notification of this fact from cashcall mortgage. It is not clear if I should send my payment to the new company who seems legit and has apparently purchased the mortgage legitimately because I can get no response and no answers from the current servicer despite repeated phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is in re : Cash App My email : XXXX Date : XX/XX/2020 Cash App name is : $ XXXX  This happened to me XXXX XXXX and money was sent to me by another person who is my client who uses me for XXXX XXXX XXXX XXXX. She normally sends {$80.00} to me every week for over 9 months todate. Her name is XXXX XXXX whom sent me money that I never received. XXXX sent {$80.00} twice to my assigned name and I never received neither to my account with Cash App. 
It seems to me Cash App needs to have someone answer their phones but does not have a person to do this. For whatever the reason I dont know why this is not a part of being in business, but this is a very detailed part of being a trusted and trustworthy company to be found and to get a real person on the phone to help you with any amount of money that may be in question. Cant see how they got licensed without the protocols of handling customers money with a live person to answer phones. We live in a sad world today with many loopholes and modern technology but folks still dont use their brains on common sense areas. 
If someone can please get back with me in this respect in getting my money back. 
And if you may need to contact me in anyway possible, please dont hesitate to call me at XXXX. 
I would appreciate to see things worked out and if possible changes could be implemented in a seemingly good business that started out good but somewhere down the line someone possibly had a better idea of stealing from the company for themselves from their clients. 
Thanking you very much in these regards. XXXX XXXX XXXX, customer to Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: CT
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/XXXX XXXX I sent 3 dispute letters 1 to XXXX  in XXXX GA 1 to Experian XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair 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 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my XXXX XXXX TransUnion credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to XXXX and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX FXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/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