BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.

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 2023-03-10
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX credit card I had and still making payments is no longer of use at XXXX. I no longer possess the card and when going to make a payment, I received a connection error for technical difficulties, unable to make my timely payment. I reported to better business in which they reached out to XXXX, but not the credit card company. Without my card and account number I have problems accessing my account. The site is working now after the fact Ive been accessed a late fee and numerous emails from the XXXX card of missed payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
See new attachments. Two Capital One credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. Capital One is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. Capital One closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, Capital One was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and Capital One credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, Capital One found no signs of fraud. On XX/XX/XXXX, Capital One agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, Capital One said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by Capital One. Capital One is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but Capital One is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on social security. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.

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 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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: Card was charged for something you did not purchase with the card

Complaint:
The Credit Card was compromised on XX/XX/2020. Was reported on XX/XX/2020. Payment was stopped on XX/XX/2020. Capital One Customer Fraud Protection, XXXX ( ph XXXX Ext XXXX ) found no instance of fraud on XXXX and recharged the {$270.00} from XXXX XXXX to the replacement Credit Card # XXXX XXXX XXXX XXXX. 

The original order was purchased under an email address other than mine, thus I never had contact with XXXX XXXX about the purchase nor had I ever purchased anything from them. The original card was never lost, information was stolen some other way. The unknown purchaser did not override the mailing address on the card thus the purchase was mailed to the address on file with the Capital One Card to me. Days later I received the package from XXXX XXXX. I was unable to contact XXXX XXXX for several days to return the order which I did not place. They did not return any of my calls. Informed Capital One of the problem and was informed not to worry about the return. They would take care of it. 

The {$270.00} was recharged to the new card on XXXX and I contacted Capital One again and closed the replacement card. Tried again to contact XXXX XXXX and succeeded. They understood the problem and forwarded a return label and stated they would process a refund when the product was returned. Received an email from XXXX XXXX XXXX stating the refund had been processed. Capital One never received the refund. Checked back with XXXX XXXX and they emailed on XXXX to contact Capital One and " request for the chargeback to be reversed. '' Contacted Capital One and was informed " such a thing didn't exist. '' XXXX XXXX now has the product and the {$270.00}. Capital One will not credit my account even though the purchase was fraudulent in the beginning. 
As further evidence that it was fraud ; another charge occurred at the same time and was resolved without an issue. 

I'm in the process of filling a Fraud complaint with the Federal Trade Commission about XXXX XXXX, in the meantime I'm stuck with Capital One threating late fees for none payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: McNeil & Meyers Asset Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had previously reached out to this company on or about XX/XX/XXXX, because I had something placed on my credit report, In the amount of {$700.00} dollars. I had no knowledge of where this account came from, they instantly removed the account from my credit report after speaking with them on the phone. Someone called on or about XX/XX/XXXX to speak to me about a debt that they had tried to collect, in that conversation I let them know that I only wanted mail correspondence and to stop calling me. A week later, I received another call from the same company, I stated on their recorded line that I only wanted to have a mail correspondence for my records. This company has called me every week and has yet to send mail correspondence. On XX/XX/XXXX, I was called again, I attempted to set up and arrangement with the company in order to pay back said debt although the debt had not been verified, after asking them how much they had paid for the debt, I was offered a payment plan for {$350.00} dollars, I was sent an email with a portal to pay but with no set amount and with no account information. XXXX XXXX then told me that this account would be added to my credit report and that I had to pay it or it was destroy whatever I had planned for the future, I was also told that they were not a debt collection agency and that they were lawyers hired to get their clients money back. On XXXX XXXX, the same company called my mother in law and then myself about the same debt and again on XX/XX/XXXX and XXXX. On XXXX XXXX, I was called in the middle of a job interview and was immediately dismissed. These calls have gone from down right annoying to straight up harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Selene Holdings LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, I am writing to you regarding my mortgage with Selene Finance. I received a letter from XXXX XXXX stating that were cancelling my homeowner 's insurance on XX/XX/2020. I called Selene Fiance a week later to report that I am no longer using XXXX XXXX for my homeowner 's insurance, and I have a new contract with XXXX XXXX. Selene Finance renewed that policy with XXXX XXXX without my consent. XXXX XXXX and my self have reached out to Selene Finance regarding my homeowner 's insurance on several occasions with no resolution. XXXX XXXX has informed me that I have until XX/XX/XXXX before they cancel my policy. I am asking Selene Finance to change my homeowner 's insurance to XXXX XXXX immediately. I would also like for my mortgage to be reported to all credit bureaus. 

XXXX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, someone took out a personal loan with Goldman Sachs in the amount of {$4500.00} and paid off XXXX credit cards. On XX/XX/XXXX I was contactedy by XXXX about a credit alert so I contacted XXXX and disputed the claim, but the person was still able to get the loan through Goldman Sachs. When XXXX contacted me again on XX/XX/XXXX that the loan went through I immediately went on to all XXXX credit bureaus and disputed the loan and locked up my credit. On XX/XX/XXXX I spoke with XXXX again and followed up with the dispute and they helped me contact Goldman Sachs to dispute the loan with Goldman Sachs. Goldman Sachs also said they flagged the account on XX/XX/XXXX as fraudulent. On XX/XX/XXXX I am going to my local police department and I will file a complaint with them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the fraudulent, XXXX XXXX XXXX, XXXX be removed due to identity theft from Equifax report. 

XX/XX/XXXX Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX To whom it may concern : I previously notified you that I am victim of identity theft. 
I learned that my personal information was used to open various accounts, XXXX XXXX XXXX, XXXX I did not open nor authorize, nor did I receive any benefits from the fraudulent account. 
I request that the fraudulent account be permanently blocked and remove from my credit report. 
I have previously filed an FTC and a CFPB identity theft reports disputing the inaccurate information, that you are reporting as a result of identity theft XXXX and XXXX have removed the fraudulent items but you have not I repeat, that the fraudulent items be permanently blocked and removed, and that i receive an updated credit report without the fraudulent item on it. 

Further more I have reviewed the fair credit reporting act, 15 U.S.C. ~1681s-2 ( a ) ( 1 ) ( B ) .as well as 623 ( a ) ( 1 ) ( B ) Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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 XXXX violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the XXXX XXXX agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several calls and voicemails from a robocaller claiming to be XXXX. The voicemails do not indicate a connection to any medical service I have ever used. Additionally I have no outstanding medical bills and thus none which should be in collections. The calls and voicemails seem to be a scam trying to gain personal information. According to other reports online of the phone number others also believe XXXX to be a phishing scam. For these reasons I have not answered the calls or spoken with XXXX   directly. I have blocked the number but the same robocall voicemail keeps being left.

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 2018-09-17
Company: Williams & Fudge, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Information belongs to someone else

Complaint:
I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt being reported to XXXX  is not mine. I have contacted IC System and XXXX  to no avail. The debt is invalid. I owe nothing to XXXX XXXX XXXX. This debt was satisfied with XXXX XXXX XXXX when I stopped doing my business with them.

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