BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: T.S. Holdings
State: IL
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 were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MS
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:
The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX 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 2019-03-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Case # XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number : Do not give the account number supposal I debt Re : Collection Practices of : XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : I would like to file a formal complaint against XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. for actions taken while trying to collect a debt. And submit garnishment against salary or wages and another situation is as follows : I have received your CALLS regarding an overdue amount for {$8000.00} and try to contact you, but nobody helps me because my info does not match with your file and it is impossible give more information. A request in Court file GARNISGMENT against me. 
You are charging the wrong person in your file you do not have my correct name My social security does not correspond. 
My date of birth corresponds to a person much older than me. 
Filing lawsuits that are fraudulent and inaccurate. 
Filing lawsuits against me who are not the owners of the debt. 
Filing lawsuits that are past the statute of limitations for Florida. 
Not having proper documentation for the debt, say I owe. 


Please investigate this matter and have these practices stopped. You can contact me at XXXX or email me at XXXX or fax at XXXX. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSWORLD SYSTEMS INC
State: NE
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:
Transworld System I is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: WA
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:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: NV
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:
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 INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2019-03-07
Company: Summit Financial Corp.
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: Old information reappears or never goes away

Complaint:
Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 ) ( 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 2021-04-26
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, my wife and I decided to payoff our mortgage being serviced by Amerihome Mortgage of XXXX, New Jersey. I called their listed customer service number and, after significant delays due to their audio response unit, we were able to talk to a human being, identified as " XXXX '' and, another later as " XXXX ''. I was given a payoff amount of {$360000.00} on account number XXXX. I specifically stated to XXXX that I would be putting a personal check in the mail for that amount the next morning with no comment from her. I mailed the personal check on XX/XX/2021, knowing that it would take the company necessary time to ensure the funds were available before clearing the mortgage. 

I watched their website for my account to be updated in some way. I looked at it regularly until deciding to call them on XX/XX/2021, concerned that I had heard nothing and the account was not updating in any way. I was then told by " XXXX '' that the check had been received, but that a personal check was not acceptable and they didn't process. I asked since I could make regular payment online, could I then pay it off online. That was not acceptable either. Only a wired transaction was acceptable. I asked him then could I go to my bank and wire that amount or did he need to recalculate. He said if he did then it would be more and I should just send the stated amount. I immediately same day went to my bank and wired {$360000.00} to Amerihome. 

The money was, of course, immediately taken from my checking account, but two days later I called Amerihome again ( always a painful experience due to delays getting to a human being ). I was then told by " XXXX '' that the wire was inadequate because it was now short. I asked to talk to a supervisor, but was told that would take some time and because they needed to " complete some paperwork '' before I could talk to a supervisor. I suggested they do their paperwork and have the supervisor call me. They said okay, but would be 24 -48 hours before I could expect a call.

I never got a call from Amerihome, but my local bank called the next day to say they had gotten the funds back by wire with no explanation and were crediting my account. 
Because it was Friday, XX/XX/XXXX, I elected to wait to Monday, today, XX/XX/XXXX, when I called Amerihome again and got a new payoff balance of {$360000.00} and required them to give it to me in writing by email. I received the email and immediately went to the bank and wired the request amount. Because of Amerihome 's bureaucracy and inefficiency, I paid {$400.00} in interest and {$60.00} in wire fees unnecessarly than if they had simply processed my check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To Whom It XXXX Concern : I am writing to dispute XXXX XXXX XXXX ACCT # : XXXX. 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.

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 2020-05-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On or about XX/XX/2020 I notified PayPal of a dispute I was having with a Seller who failed to provide the services for which I paid {$3000.00}. PayPal opened up a dispute case and requested a response from the Seller. On or about XX/XX/2020, PayPal decided in the Seller 's favor and closed my case. That same day I contacted PayPal asking them to reopen my case and to give me an opportunity to submit documentation supporting my case. PayPal had told me they would request documentation but never did before closing my dispute case. PayPal has not responded to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2018 I requested due to hardship, at the time there were not options for gov  workers. On the call capital one setup payment arrangement. I have attached the document, and the new document from capital one. Over the phone, and in the hardcopy document it never said that a " specific '' month would be put to the back of the loan. I thought the agreement was for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. On XX/XX/XXXX, XX/XX/2018 payment would have prevented XX/XX/XXXX for being late, and XX/XX/XXXX payment would have prevented XX/XX/XXXX from being late. I called again and asked why I was reported late for XX/XX/XXXX, XX/XX/XXXX months when an agreement was in place. The issue is, why would capital one make me more late. A plan is supposed to help get you out of debt, based on what capital one is saying they just made an arrangement, this didn't help me to be current if it made / reported late for those two months. This is predatory, and the agreement never mentioned it was only for XX/XX/XXXX,XX/XX/XXXX payments, I was already late for those based on capital one data, why make me more late? Calling over the phone I was upset with the rep, and one advised at the leastXX/XX/XXXX definitely shouldn't have been late. Capital one reported predatory payment and I think at the least if they don't want to investigate XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, atXX/XX/XXXXt, and XX/XX/XXXX should not have been reported I feel it was incorrect. Please show me where in the agreement, that it said the two payments pushed to the back of the loan were for XX/XX/XXXX,XX/XX/XXXX. If I call in XX/XX/2018 as mentioned before, I wasn't let yet for these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with BBB. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by experian without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX  XXXX-XXXX-XXXX,   transunion XXXX-XXXX-XXXX then XXXX-XXXX-XXXX, equifax XXXX-XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Old Navy Credit Card Possible Fraudulent Representatives/Activity operating account Called and made necessary provisions to close account early XXXX Credit card fraud result of mobile cell # porting XXXX  listed personal information on Dark web Per 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 2023-02-17
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my mortgage that came in my husbands name into my account XX/XX/2020. The check was cash and deposited into my account. But I was advised that my account was frozen since the the check was in my husband name. Tried to get the check reissued and mortgage bank told me it was cashed. Now I filled out a paper my husband notarized and signed saying he agreed with it and I am still being given the run around and still want me to do more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove fraud alerts

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 2020-07-06
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rausch Sturm bought this account from XXXX XXXX XXXX, XXXX  - I  spoke to XXXX let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic

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 2020-05-21
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX, XXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-01
Company: Merchants Acquisition Group LLC
State: CA
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:
I received a letter of a lien on a property that my name is on I have never received anything prior and company refused to verify debt I wasn't even aware i was sued because is not even on my credit report I want the lien removed immediately and for company to send a letter of it being removed from county clerk of records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation