BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: AL
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 recently challenged the validity of XXXX XXXX XXXX. Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information of true, Im requesting the information Experian used to verify this account in writing. If such documents can not be produced please notify Experian to delete this account off my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

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 2020-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXXI have submitted 2 requests now to consumerfinance.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: WELLS FARGO & COMPANY
State: ID
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:
In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from Wells Fargo multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.

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 2022-12-03
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:
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 items 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 items : 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, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21 company 's mishandling of my data created locked account & failure to connect me to ANY telephone agent for account closure in fraudulent attempt to generate future inactivity fees to card ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom mortgage calling every day try to force me to refinance my mortgage Lying to, using deceptive methods.

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 2018-04-25
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have disputed this account multiple times with this collections agency. they have refused to provide documents to show any information regarding the origins of this account and have been extremely uncooperative. this account does not belong to me and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
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:
Account XXXX - Account ref : XXXX - Order number : XXXX Cancelation date : XX/XX/2021 cancelled a contract with them in XX/XX/2021, on the 1st day as their product was not working, laid numerous complaints a number of times and they have promised to collect and cancel the contract and they also promised that someone will contact me. which has not been done over a year later and they put on my report that i owe them numerous cases logged with them They have also handed me over to a debt collection company which stated that I owe them over XXXX A person shall not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Personal information incorrect

Complaint:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, 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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: MO
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 on numerous occasions filed a dispute for fraudulent information on my EQUIFAX credit report. I'm a victim of identity theft ( 2 times ) and disputed 3 inquires be removed from my EQUIFAX credit report. They have refused to help every time. I have talked to the company that made the inquiry and they closed or canceled any pending applications. The inquires come from XXXX XXXX. Someone tried to open a credit card in my name several times. I was also part of the EQUIFAX breach in XXXX and they still refuse to remove these negative items from my credit report. This is unacceptable and they should comply with my request and remove these fraudulent inquires from my report. EQUIFAX also continues to use a previous address ( 12years ago ) as my current address, even tho when I file a dispute on their website, I use my correct current address. 

I hope someone can help me and I have received no help from EQUIFAX. They continue to deny my request. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Synovus Bank
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I have applied for a Secured Credit Card with First Progress. 
Applications are only received online at https : //www.firstprogress.com. 
During my application process, I was asked for my debit card and authorized a deposit of {$2000.00} to be applied to my future First Progress secured credit card. 
While performing the online steps in this application, I got logged out. 
When trying to request the status of my application, nothing is shown in the browser. 
Customer service say that they can not find my application in their system and can not transfer to anyone that knows where my deposit is. 
Web application status check results in a blank screen... 
For two days I've been trying to solve this myself, but had no success. 
I didn't get any receipt or email confirmation for the deposit and the money is now gone from my debit card. 
Attached screenshot is of the charge on my account in total of XXXX MDL ( an equivalent of 2000 USD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Convergent Resources, Inc.
State: GA
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:
I, XXXX XXXX, consumer, have come to the understanding convergent outsourcing has been in violation of my rights to privacy. I am demanding convergent outsourcing to cease and desist all debt collection activity through all and any medium ( see attachments )

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 2023-08-05
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's been a few months that they won't let me log in to my paypal and now I received a letter and that according to what I owe them money, but they haven't let me log in for months and apparently someone logged in and changed the password

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
ChexSystems has reported on an account I had with XXXX XXXX  that it was closed due to account abuse, but is paid in full. As such when I try to open a new bank account it comes up as my account as being flagged for outstanding amount owed that needs to be paid in full in order to open a new account. And some banks have a policy that if a person is flagged in the ChexSystem that the person can not open an account for two years! All of this because of false information!! Not good! Not Fair! Not honest business practices!!

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 2019-11-12
Company: GOLDMAN SACHS BANK USA
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 information incorrect

Complaint:
I applied for an Apple Card. I was declined as they stated I had a past due payment. I do not. I was told to contact XXXX which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX   then Goldman Sacs. Another 45 with XXXX. They sent me a credit report with no past due payment on it. Apple and Sacs said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have requested several attempts for this company to validate this debt with a physical signature of the HIPPA release and a complete payment history.. Sending a bill is not validation. This is a HIPPA violation. I have a right to request documentation with my physical signature. Its evident that this company can not provide proper documentation to collect on this invalid debt. I have been in complete distress behind this company actions destroying my credit. Also, I have filed a complaint with XXXX  as well. Until I receive proper documentation this is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid a debt that i knowingly have no knowledge of. I paid it on XX/XX/XXXX as I am in the process of obtaining a mortgage and this collection came up on my credit report. I emailed the agency on XX/XX/XXXX for deletion as i paid the debt although its not mine ( to expedite mortgage process ) and to remove from all three credit bureaus. I have not received a response as of yet. Furthermore the agency is reporting different information on all three bureaus. XXXX shows an open date of XX/XX/XXXX and the remarks show placed for collection and account as open. XXXX  shows an open date of XX/XX/XXXX and the remarks show medical. My XXXX report shows an open date of XX/XX/XXXX and it being closed. I have never went by the name XXXX XXXX as that is what is being reported under my social security number in their agency database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX credit card through Wells Fargo Bank. Due to the troubles with the US Postal Service my XXXX bill arrived a week later than normal XXXX. I wrote the check for XXXX that night and put the bill in the mail on XXXX. The due date was XXXX so if the USPS did its job the post mark would have been for the XXXX or XXXX. This is 7-8 days before due. The USPS took until XXXX to deliver the payment. On XXXX Wells Fargo went ahead and charged a {$27.00} late fee and {$14.00} in interest. They cashed my check on XXXX according to my bank website. I called and spoke with XXXX on XXXX at XXXX EST. The company refuses to acknowledge the Postal Service delay Problems and the fact that the check was dated and mailed before the due date. They will not waive the late fees. I have never been late in paying Wells Fargo in years of having this card. I do business with other companies that do not charge late fees if the payment was post marked before the due date even if it arrives late. It appears that Wells Fargo is using a national crises to gouge customers for fees that are beyond their control.

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