BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for XXXX XXXX  company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is  a phone number to Experian. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on XXXX XXXX XXXX application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.

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 2020-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First, Portfolio Recovery carry accusations of alleged debt belonging to the referenced individual absent support of an affidavit ( s ) supporting their claim. Second, they were asked what do you say the money owed is allegedly related to? Third, an explanation of how they calculated what the allege owes? Fourth, copies of any documents that show XXXX XXXX agreed to pay any of the amounts they listed. Fifth, failure to provide any copies of any related alleged judgment. Sixth, show that the statue of limitations has not expired on this alleged account. Seventh, just because they provided the identity, name and address of the alleged creditor to CRAs does not constitute verification, accuracy nor confirms that XXXX XXXX is responsible for the allege debt AND eight, XXXX XXXX XXXX demands all original documents or at minimum a stamped true copy of the original with an attached affidavit supporting their claim that she has signed that facilitates any agreement between her and their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TRANSUNION is reporting an inaccurate late payment for the XXXX XXXX XXXXXXXX XXXX account ending in XXXX. This is a 30 day late payment in the amount of {$47.00} posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history 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 2021-09-02
Company: Experian Information Solutions Inc.
State: CT
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:
My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.

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 2019-11-05
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Evergreen services lend me money and I asked several times how much was the interest but they refused and lied to my face. This company is a scam and I want them to stop collecting payments because of false advertisement!!!!! Stop all type of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX we got loan from tower loan wife got injured on the job on workmans comp hard to pay loan 6 months late they have threatened legal action 6 to 7 times my multiple people in company we paid account regularly until injury we have explained as soon as we have we will pay the loan off but they are persistent calling two to three times a week each time telling me we will just turn over to our attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.

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 2023-01-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was trying to acquire a laptop, printer and phone for a job but I was scammed by the people selling them. I sent them money and they never sent the devices and TD Bank refuses to refund my money. I sent a total of XXXX payments ; XX/XX/XXXX for {$740.00}, XXXX on XX/XX/XXXX ( or XXXX ) for {$830.00}, and another one on XX/XX/XXXX for {$830.00}. I filed a police report in my town and went into the TD store to try to receive help. I filed a reg-E claim with my bank but it was denied because they said " I willingly sent the XXXX payments XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: The Borrowing Club
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I believe this company is a not trustworthy and a scammer. A person named XXXX cold-called me on Friday XX/XX/2020 from XXXX XXXX XXXX XXXX. He said he had previously contacted me via a letter mailed to me and talked to me about an updated financial relief program as of last week. He told me to call back at XXXX XXXX XXXX XXXX and he'll cover all my options. He said he had all my information on his screen already. 

I called them back and talked to a different agent, and then directed me to another agent who was from XXXX XXXX. He said I could qualify for at {$15000.00} or more loan. I provided my name, SSN, and mother 's maiden name over the phone. Afterwards, they sent me an email with a contract, which I digitally signed. After doing more research into their company, I realized I did not trust them. Their physical address in XXXX XXXX, FL on the XXXX XXXX XXXX ( XXXX  ) website was linked with 2 other loan companies : The Borrowing Club and Unsecured Loan Specialists. I realized I had made a mistake, so I am filing a claim against the company and to protect myself from identity theft. I have also made a fraud alert on my credit reports to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: World Omni Financial Corp.
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:
INFORMATION IN MY REPORT THAT IS NOT MINE AND INCORRET THIS COMPANY IS REPORTING FRAUDELENT INFORMATION SETOYOTA FIN DBA OF WOFC # XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Security Credit Services, LLC
State: MN
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:
I have an account of {$750.00} with a service where I couldn't make monthly payments for. They sent this to Security Credit Services LLC as debt owe ( according to my credit report, it's Security Credit Services LLC who owns my debt account ). Security Credit Services LLC did NOT contact me at all to pay off the debt, instead, they automatically posted this on my credit report as an open account in collections. They then sold my account to a third party debt collector, XXXX XXXX XXXX. XXXX XXXX XXXX has been harassing me continuously to collect the debt. I paid my debt in full and was informed that I will have to handle this with Security Credit Services LLC to get it removed from collections on my credit report. I've left messages, called continuously, even wrote a letter to fight this. But I have NO response at all. Although the debt was paid in full, it still shows as an open account under collections and it's hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My phone logged me out of my coinbase app last week. I have tried to log back in so I can cash out my money, but it asked for a two-factor authentication, and the number that is associated with my account is the one from when I was stationed overseas in XXXX. I tried changing the number and doing an ID verification, but because my ID isn't from XXXX, it wouldn't let me verify it. I've tried calling and emailing multiple times and selecting multiple issues, but I've not had any luck resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: 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 appearing 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 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 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 2021-05-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened an HSBC Premier checking account on XX/XX/XXXX through the following link : https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ I met the terms of the offer by having deposits greater than {$5000.00} each of the three months after my opening month, i.e. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX ( XX/XX/XXXX ). 

The offer states that the {$450.00} XXXXme Deposit Offer will be paid approximately 8 weeks after completing all qualifying activities.

When I had not received the promotional credit by midXXXX, I reached out to HSBC and inquired. They advised, " the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. '' They are contending that I did not open my account through the above link. First, I insist that I did. I navigated to their site directly through that link and never went to any other page to open my account. If their system is broken and they can not tell what link I used, it is not fair to deny me the bonus I signed up for. 

Supporting documents are attached. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NY
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2021-05-28
Company: FIRST PORTFOLIO SERVICING INC
State: MI
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:
Ive received a email from XXXX  stating a new inquiry was made from vervent/XXXX on XX/XX/XXXX. I DID NOT apply for credit. After seeing this inquiry, ive noticed this same company inquiry on XX/XX/XXXX. This is fraud activity. I do not have accounts with this company. Ive never applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: I.C. System, Inc.
State: MS
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 initially emailed XXXX  and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX  responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX   had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX  have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG 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 2020-10-23
Company: EQUIFAX, INC.
State: FL
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:
I have inquiries repeatedly reporting on my credit report from XXXX XXXX XX/XX/XXXXon my Equifax Credit file and I never authorized or applied for credit with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In this moment I havent received any information at all from the case

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 2023-01-31
Company: General Motors Financial Company, Inc.
State: OH
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 XXXX XXXX and GM Financial have violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation