BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 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 US SM BUS ADMIN XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CURO Intermediate Holdings
State: KS
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:
XXXX XXXX XXXX Speedy Cash # XXXX sued me around XX/XX/XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney  XXXX XXXX. Around XX/XX/XXXX I received a phone call from Attorney  XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named XXXX is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to XXXX XXXX. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney  XXXX nor has the wrongful credit reporting ceased. XXXX is still reporting this debt, ruining my credit, when the case was settled and dismissed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit report, this account doesnt belong to me.

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 2022-01-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX Experian received a dispute letter along with a response letter from the court stating that they did not provide this information to Experian or any other company and that they do not release personal information about Individuals. I mailed these documents to Experian asking them to reinvestigate this account on my consumer report that I reported as inaccurate and erroneous. On XX/XX/XXXX Experian stated that the reinvestigation was completed. They stated the account was certified with a third party company and that the information reporting was accurate. So I mailed Experian another letter that they received XX/XX/XXXX asking them to please provide me with the method of verification. The XX/XX/XXXX results stated that a company certified to them that the report was accurate. I want to know what company reported to Experian that this information was accurate. If Experian can not provide me with this Information for me to trust that they have done a proper investigation then I demand this account to be deleted immediately due to Experian not providing me with the proper data furnisher information to contact them. I want to also make clear that I did not give Experian any permissible purpose to use my personal Information to match up, or purchase any data from another third party to report on my consumer report because I have the right to privacy as a consumer. I also have the right to know the data furnisher who reported this information and I have the right to a fully accurate consumer report as a consumer. I would also like to report that Experian ignored my request for a Method of Verification that they received on XX/XX/XXXX and instead preformed another reinvestigation instead and again stated it was verified on XXXXPlease follow the law as is was written.

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 2016-03-03
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common wealth financial systems its about XXXX XXXX XXXX a # XXXX for the amount of {$1200.00}. Call them and let them know that this account is not mine but they still report it in the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX changed our mobile plan 2 year plan to the Next plan without our authorizations, which caused us to be responsible for the cost of the phone should we want to upgrade or cancel our service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow account.

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 2022-01-02
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received multiple credit card offers from First National bank of Omaha for XXXX XXXX Visa card. I have returned the offer, along with a letter stating that I was registered with pre-screen opt out, and that I did not want any future credit card offers from First National Bank of Omaha, XXXX XXXX Visa. This was sent by US mail in XX/XX/2021 using the pre-addressed envelope along with the credit card offer form that I marked " Refused ''. I have not received an acknowledgement of receipt of my letter, and I continue to receive unsolicited credit card offers. I have never conducted any business with First National Bank of Omaha.

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 2017-08-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.

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 2022-01-02
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX i contacted XXXX XXXX XXXX to inform them that i would like a fraudulent account removed from my credit report and what actually happened was that XXXXXXXX XXXX XXXXXXXX reported it as an closed collections which is impacting my credit report, i had already requested the fraudulent to be completely removed and deleted due to some contract being opened and reported with XXXX XXXX with out any of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently restricted my account for no reason on the XXXX of XX/XX/2022. And all efforts to contact them has proven abortive. I'm unable to receive payments for the services I offer online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX at email ... XXXXXXXXXXXX ... Green Tree/Ditech is withholding insurance proceeds for a completed project.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Prepaid Mastercard Gift card issued by U.S. Bank National Association expired XXXX No way to use or transfer funds after card expiration date. Company has taken full {$100.00} value in fees and closed account. These so-called " gift cards '' should be illegal.

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
Consumer complaint received 2022-01-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation