BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XX/XX/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 Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented vehicle from XXXX in XXXX, GA, with return to XXXX, FL ; and that was about 3 months ago, and upon returning it to XXXX offices, we went through the gasoline and in and out of the vehicle, and all was satisfactory. 
Only to find out that they claimed to have contacted me and that there was some damage in the vehicle, and sent my name to the collection agency. 
That is UNACCEPTABLE practice as they have my email address and my secondary number, which they have never used, and also why are they contacting after I returned the vehicle in good condition? when does the contract end? what if the person who damaged is their employee and happened to do that after I left? 
This is VERY UNACCEPTABLE practice, by both, XXXX XXXX XXXX and their collection agency ( Transworld Systems Inc, whom already have some scandals as per info on CFPB website ). 
Please check these companies further as this is not the way customers should be treated. Never.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2019-11-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I booked a reservation at the XXXX  airport XXXX XXXX with my Chase Marriott rewards Visa credit card for Tuesday, XX/XX/2019 but it showed the wrong date after booking. I immediately contacted the merchant to advise that they booked the wrong date. Merchant refused to respond. Merchant attempted to charge me for services that were not provided. I provided documentation of this to Chase and they have refuse to remove this invalid charge. Merchant has lied about the dates that were booked. Merchant has refused to respond to me. Chase is now charging me for services that were not rendered. I am being billed {$170.00} for a hotel stay that I never stayed at, and which the merchant booked the wrong date. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XXXX I visited the XXXX under the XXXX XXXX while holding a XXXX visa, during which I got my SSN. Throughout my time in the country, I diligently safeguarded my SSN. However, on XX/XX/XXXX when I returned to the XXXX with the intention to work and opening a bank account ( and applying for credit card ), I decide to examine my credit report with XXXX, and the findings were profoundly unsettling. It became apparent that an individual had illicitly accessed and misused my personal information, including my SSN. I have a detailed report from XXXX with all bank accounts and credit cards, which have been opened for my name and SSN. There is a wrong Year of Birth connected with this fake account. There are fraudulent accounts in my name and associated with my Social Security Number ( SSN ) within the credit reporting agencies XXXX, XXXX, and TransUnion, complete with fabricated credit reports. 

There are fake bank accounts and credit cards : - XXXX XXXX  credit card opened XX/XX/XXXX - XXXX XXXX credit card opened XX/XX/XXXX - XXXX XXXXXXXX credit card opened XX/XX/XXXX - XXXX  XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX ) - XXXX XXXX XXXX  opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: MD
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:
At this point XX/XX/2019 I would like CFPB to a full investigation, started from the source ( 1 ) .XXXX  XXXX XXXX XXXX , then ( 2 ). E-OScar then ( 3 ) the credit bureau. By process of illumination, I now believe that E-OScar is responsible for distributing incorrect information, to the bureaus. This XXXX XXXX  account XXXX has never been reported correctly for the last 5 months in all three XXXX, XXXX, EXPERION. 
Look at the attachments you will see the proof!.

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 2017-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was denied a credit card and the reason cited was that my credit score reflected a debt that was sent for collection. I am unaware of this. When I requested my credit report, I didnt see anything about accounts sent to collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX transunion and XXXXXXXX credit agengies but it has came back as verified on tranunion and XXXX but XXXXXXXX  deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove 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 non-monetary relief
Consumer complaint received 2019-12-12
Company: Diversified Consultants, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the account on my credit and this account is from 2013 when my ex husband took out the account in my name, this account is not mine and it took 6 years to show up on my credit, i can send proof of my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX a Hurricane hit my area in Florida. Since I was affected, I entered into a hurricane repayment plan with Ocwen Mortgage Acct XXXX. Since then, I have paid them {$1100.00} every month on time, never 30 days late. Ocwen Mortgage reporting is GOOD and not reporting behind. 14 months good reporting since the agreement inception. Thank You Ocwen Mtg.

PHH Mortgage company recently took over my Ocwen Mortgage account as of XX/XX/XXXX. Since then they have been reporting me late on my mortgage payments, even though I have been paying them every month Approximately $ XXXX/mo, never 30 days late. I phone and fax them to correct the reporting, but they will not fix it. See attatched. 

I am in the XXXX business, and employers check my credit report to decide if I can work for them or not. Lately, I have been turned down for everything I apply for. Not only a job, but credit cards and applying for credit. 

Every month I have to notify all 3 bureas to correct the negative reporting. So far I have spent 35 hours try to fix the problem. Lately, the bureas have stopped helping me because I reported the dispute before. I have hit a dead end. 

I have been calling, faxing and challenging to get my new Mortgagee to not report me late. They continually post bad credit reporting. They do not want to correct it. My record will always show late for the next 7 years on my Mortgage. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block these accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2023-06-04
Company: EQUIFAX, INC.
State: TN
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:
Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX 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  XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-12-12
Company: Complete Professional Recovery LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by CPR today wherein they stated I had a debt. I demanded they provide verification of the debt, but they refused to do so and said they were turning sending it to the credit reporting agency. I told them that they are require to verify the debt and advised them that they are required by law to verify the debt. The woman against refused to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: LoanCare, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage was in forbearance through XX/XX/2021. I was placed on the covid-19 defferal option with a first payment due in XXXX. I made the first payment due after forbearance on XXXX XXXX, XXXX. Today XXXX XXXX, i received a statement showing that the XXXX payment wasn't applied and the XXXX payment due will be for XXXX and XX/XX/2021. This company is very uncoordinated in its response as i also keep getting inundated with calls to contact them to bring the loan current. I've already contacted them, the loan is current, i have made my first payment post forbearance and yet this...

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 2023-04-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ic systems called repeatedly after I told them to stop calling my work number XX/XX/22 3 times XX/XX/22 2 times XX/XX/22 once, XX/XX/22 once XX/XX/22 once XX/XX/22 once XX/XX/22 two times XX/XX/22 two times XX/XX/22 3 times XX/XX/22 3 times, they even block there number or call from multiple numbers

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 2021-11-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Apple Credit Card back in 2021. I never used the card, couple month ago I found a XXXX $ transaction that I disputed. The credit card company refunded the charge and corrected the balance incompletely. For some reason they left a XXXX $ balance that I have being trying to correct for the last two months, but the credit card company refuses to cooperate. They reported the XXXX $ balance to my credit history as a late payment. By refusing to correct their mistake, the Credit Card Company continues to cause damage to credit history, which as a result creates issues for me the obtain any funding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo Bank and I believe they are not processing my payments upon receipt. I tried to get a home loan in another state where I now live and the lender said that wells fargo reported me 11 times for being 30 days or more late on my mortgage in the past year which has affected the opportunity to buy a home in my new state. I spoke with a wells fargo rep who reviewed my payment history and confirmed that I have not been more than 30 days late in the past year but refused to write a letter stating this for the lender I am trying to work with here in my new state. I then went into the Wells Fargo mortgage web site to look at my payment history over the past year from XX/XX/2018 to the present and the only payments showing in the history are for XX/XX/18 then it jumps to my XX/XX/18 payment and no payments in between. I believe wells fargo is not giving accurate information to the credit reporting agency and they have not been immediately applying the funds I pay to my mortgage account in a timely fashion so as to cause my payment to be late thereby charging me a late fee. I am requesting a full investigation into wells fargo 's management of my mortgage account. Thanking you in advance. 

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 2023-01-04
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried disputing it on the website they provided. As indicated, it is quite misleading as to the ability to dispute it. More importantly, when I clicked " send '' it did not allow to send. Please assist. 

I received collection letters from you. Ref # XXXX and XXXX I paid XXXX at the time of the visits. i specifically asked how much it was and paid it. Now, I receive these bills saying I owe more? I never agreed to this. 

In addition, your letter says " we accept disputes electronically at ... .. '' This is quite misleading. There is nothing that states where to dispute. I had to needlessly search around your site just to find this. Please stop harassing me.

Company response to consumer: Closed with explanation