BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: OH
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 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and Experian and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX XXXX and Experian remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX the following inquiries ... .see below XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: OH
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 've asked before this is my 3rd dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and XXXX and Equifax credit reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my 3rd dispute on this issue ... .since the Equifax data breach my information has been exposed I have asked that Equifax , XXXX and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

Equifax please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... .see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on there twice ) remove one at least

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
on XX/XX/XXXX I was terminated from my job. I have been in contact with Ford Motor Company during my unemployment and they workrd with me. On XXXX I staerted a new job with XXXX. i entered a promise to paY FOR XX/XX/XXXX which was accepted the week prior. tday, I rewceived a cal from Frd motor credit and they told me that the promise to pay will not be accepted And they intend to reposess the truck. i WAS LIED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Public record information inaccurate

Complaint:
On my Equifax report it shows that a bankruptcy was filed on XX/XX/2021. This is incorrect reporting. And i want this removed immediately. I did not file for bankruptcy on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT 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 explanation
Consumer complaint received 2022-06-09
Company: Lakeside Recovery Solutions
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Laskeside XXXX  continuously keeps calling family and friends stating I owe a debt and must get in contact with them. I asked them several times to stop calling me or my family which they ignored. They are harassing my family and stating they have them down as a reference which is lie as I never received any type of communication from them nor do I owe any debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Old information reappears or never goes away

Complaint:
Hi, My name is XXXX XXXX and I am filing a complaint for equifax as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: CO
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:
XXXX IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. XXXX is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX removed this comment because they showed no dispute ever being filed by me. But XXXX and Equifax both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez mortgage company purchased Wind & Hail insurance on my behalf for the period of XX/XX/XXXX - XX/XX/XXXX after I had already provided proof of insurance and charged me {$250.00} dollars for this coverage. This was from an insurance company called XXXX XXXX XXXX XXXX XXXX. XXXX that do not cover Wind & Hail for the state of Texas. I understand that Wind & Hail is a requirement for my area, and I delayed in purchasing this insurance because I was waiting on my XXXX Certificate for proof of a new roof I had purchased in XXXX. I looked at all my refinance documents and nothing told me that that I could not have a window to purchase insurance. The documents New Rez mailed to me also did not specifically say this. My refinance documents state that I must cover Home and Fire, which I provided proof of coverage for in XX/XX/XXXX. 
I receive a letter from New Rez on XX/XX/XXXX, which says they plan to buy insurance for my property. My insurance agency provided proof at that time. On XX/XX/XXXX I received a letter from New Rez that says The-lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX. On XX/XX/XXXX they purchased insurance anyways for dates that were no longer relevant. The WRONG type of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had a late payment and it was due to my online banking being disabled after I received fraud across multiple different cards. The online banking being disabled for 3 weeks caused me to be late on my payment. I talked to many advisors at Wells Fargo and they said I would not be effected however per my reports it looks like I was. Ive paid every payment on time, and use credit cards solely for the points and cash back opportunities. Not because I need the money. Im looking to buy homes and scale my business and would love this blemish removed from my near perfect credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to do a short sale, but SPS ( select portfolio ) is forcing me to be reviewed for a loan modification ( which i do not want ). They told me the review would take 30 days and I should have a response by XXXX-XXXXXX/XX/XXXX19. Its now XXXX-XXXX-19 and SPS told me this review was still " pending ''. 

I want SPS to just review me for a short sale so I can sell this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22, I purchased a sewing/embroidery machine for {$470.00}. When I attempted to send money to the seller, the transaction was denied as my identity needed to be confined. I checked my bank app and did not see a pending transaction nor did I see an email to verify my identity from Cash App. The seller requested the funds through Cash App. The transaction did go through that way. I could see the pending transaction on the bank app, my cash App and the seller Cash App show that the one pending payment for {$470.00}. I checked my bank app later that night and noticed two charges went through. I immediately contacted Cash App. They informed me that the seller accepted both payments and I would have to request a refund from the seller. I contacted the seller and met in person. I could see her cash app only showed one payment received from me. Cash Apps website states you can dispute a charge where services and goods were not received. I went this route as one charge I did not receive good and services for and was not authorized. Cash App refused to file a dispute and continues to state the seller received both payments. My bank institution even joined the call and we were told the same thing and that they could not assist us further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have several business accounts and credit cards with the bank. On XX/XX/XXXX I received an email that asked if I recognized two debit card charges, which I did not, so I clicked no and the website indicated I would hear back from someone within 2 business days. The days came and went and I checked to see the status of my account and found several fraudulent charges on the account so I called claims to let them know that the card which I had reported as in my possession and with fraudulent charges needed to be canceled and those debits reversed. That was on XX/XX/XXXX or so. 

A week later there were still charges occurring on the canceled card so I called claims again and asked that a manager be attached to my account to make sure it is being supervised and to reverse all the fraud. They reversed it but again a week later there were more charges on the canceled card. And another time thereafter. 

I have now had to call 4 times to make claims despite being promised 3x that escalation would follow up with me and take care of the situation. There have been 60 transactions from XXXX XXXX XXXX all at XXXX theaters and over {$6000.00} of my money used on a card that was already canceled. The bank is not managing the issue or solving it, they're just wasting an hour of my time every week figuring out there has been more fraud and leaving me to try to solve it. 

This past time I finally was connected with an escalation manager who proceeded to hang up on me while I was on hold as she attempted to figure out the problem and now 40 minutes later I have not been called back. I will have 120 extra entries for bookkeeping, my payroll bounced due to insufficient funds which delayed payroll for my staff, I received a fee from the payroller, and now my payroll will need to have 4 days lead time instead of 2 which is another cashflow burden.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MI
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:
This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of 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 2019-11-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX , Santander Consumer USA and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} / XX/XX/2022

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 2020-06-22
Company: Experian Information Solutions 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:
On XX/XX/XXXX complaint XXXX-XXXX  was submitted through CFPB for 2 unauthorized inquiries from XXXX XXXX from dates : XX/XX/XXXX, and XX/XX/XXXX with Experian. XXXX answered that was going to them off, on the answer to CFPB. The Credit Agency neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer

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