BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you. 
Sincerely, 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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX  XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.

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 2018-02-09
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was missing from my account over XXXX and I need that replaced please

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone has stolen my identity, and I would like these idems removed from my credit Report. 
Thank, You

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: Ocwen Financial Corporation
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 is missing that should be on the report

Complaint:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company PHH Mortgage Services, formerly OCWEN refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company has yet to address the issues of XXXX XXXX located XXXX XXXX XXXX XXXX, PA XXXX. They sold me a lemon, rusted out car ( due to water damage ), that was a previous rental, with numerous accidents and they claimed I knew it was in that condition. iHAVE REQUESTED DOCUMENTION FROM XXXX XXXX AND THEY HAVE FAILED TO RESPOND. I sent my documents to XXXX XXXX XXXX  XXXX of Consumer Portfolio Services. This information was told to me from my mechanic when I took it to get inspected when I was having problems. I have yet to see reparations. I have been harassed by numerous employees at Consumer Portfolio due to this. 

My second issue is that they are alerting the credit bureaus that I had 9 late payments and that is false. I have never been more than 30 or 60 days late. In addition I had made a payment arrangement for an incident when I had XXXX. Inform the credit reports of the correct information as I wasn't late as it stated on my credit report. Lastly, My balance is wrong. I have been paying XXXX dollars a month for 35 months which totals XXXX. That is what I paid. I have all my receipts showing proof of payment totaling to that amount. Consumer Portfolio services are purposely submitting false information as retaliation to the continuing issue listed above. Which is against the Law. I will not stop writing emails or making complaints about this company until everything is correct and I get what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: CA
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 disputed to Experian,, Account # XXXX, {$320.00}. Account # XXXX, {$470.00} .The charge off is with XXXX  XXXX XXXX  XXXX I disputed by mail I send them verification letter on XXXX XXXX and they receive it onXX/XX/2020 and by XXXX XXXX, they already had it update and verified it only took a couple days to be verified, i will like to know how they verified it so fast the accounts. but because i thought they never receive the first letter i send them a second verification letter onXX/XX/2020, and by XXXX XXXX, the already had it verified. So I send them a third verification letter and they open the dispute account on XXXX XXXX and by XX/XX/XXXX XXXX they had the account update and verified.And what their doing is not right.

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 2020-05-31
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXXSYNCHRONY BANK has a very confusing statement for providing consumer with promotional balance information. They add the deferred interest to the balance information and never show the actual remaining promotional balance. Ive never seen a statement so deceptive and Im a frequent user of deferred interest promotions. All other accounts that I have where I use deferred interest promotions are through XXXX and the information is clear and concise. 

I am a lawyer/consumer and I frankly can not read the Synchrony statement to know what I owe. 

Initially, I had to complain to them because my account was considered overdue three days after my purchase was delivered. They took my payment and dint consider it past due. 

I also note that since Ive set up automatic payment, that the automatic payment will be reduced by the amount of any other payment that I make earlier in the month. So, unless Ive set up an automatic payment large enough to meet the promotional obligation by the end of the promotional period, I have to take special action to pay them enough because if I attempt to pay extra during the month, they will credit the extra payment towards the automatic payment and reduce the automatic payment. 

This bank has predatory practices from unclear statement to payment due very near purchase.

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 2023-03-29
Company: EQUIFAX, INC.
State: MI
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:
Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact the company to resolve this matter. I called to get a settlement and was told that my account information was sold/charged off and I could not take any action on this account after I had already made a payment that XXXX accepted. I have no information on the collection agency my account was sold to not has that collection agency tried to contact or verify this account. I find it hard to resolve this debt when i'm being giving false information about my account. If my account was sold/charged off, XXXX should have never accepted a payment from me. My account has been charged off for over 6 months and they accepted a payment last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Someone has my SS #. They are hacking into credit repair and changing my address with TU. I have a fraud alert set up! Thats how I caught it today.

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 2023-01-18
Company: EQUIFAX, 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:
I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now XXXX XXXX its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: LA
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 was not notified of investigation results about items reporting on my credit report, this is my second written request about this information reporting. I am concerned about the validity of those items, I am asking for them to be investigated and removed. The Bureaus have not addressed my concern properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Square Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Failed refund transaction from CashApp. On Sunday, XX/XX/2019, I received {$140.00} using the mobile Cash app transfer and within one hour I refunded the same {$140.00} to the person I received it from. Although the app sent me a refunded receipt the transaction has not been completed she has not received the refunded amount of {$140.00}. 

I contacted Cashapp through the customer service email several times within this week and have not received a response from them or completed transaction. There is no way to speak with a representative on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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:
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY remove it this is correct : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-05-31
Company: EQUIFAX, INC.
State: NJ
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:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ADDRESSES REPORTED 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.

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 2023-05-13
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: Their investigation did not fix an error on your report

Complaint:
Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.

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 2021-06-02
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: Account status incorrect

Complaint:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Equifax have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

Company response to consumer: Closed with explanation