BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion about some inquiries on my credit report that I did not authorize, I was car shopping and I had my own financing. I told the dealers this, I was asked for my drivers license and a second proof of Id like a social security card. I let them copy it and then went for test drives I never asked for financing. I never signed anything at any dealership that authorized them to run my credit. 

The last time I had just downloaded a credit ap to my phone when I went to pick up a truck I agreed to purchase, I gave them the check they asked for my Id and a my credit card to make sure I was myself then my XXXX  XXXX   app alerted me that my credit was pulled. While I already gave them a bank check. I then contacted ( by phone ) Transunion regarding unauthorized hard pulls that were on my credit report and they ignored me. I sent them a letter and I looked up the law regarding the fair credit reporting act section 604 section 15 161b regarding legally permissible purposes and without a signature or any investigation into my complaint left these inquiries on my report. I will include a copy of the letters.

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 2022-06-13
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was selling my daughters dance costume over XXXX for {$200.00} I was contacted on XX/XX/22 from someone asking to purchase via Zelle. Information sent for her to send to send money to and I did received some type of email confirmation that payment had been sent then on XX/XX/22 Received an email that my account can not receive payment due to low limit and and buyer needed to send me {$800.00} To increase the limit on my Zelle account and to refund the {$800.00} to the buyer which was done, received message on XX/XX/22 That server had updated overnight and buyers account had been double charged the {$800.00} and to send another refund and that all purchases and money transferred would be held into an account Until all checks and balances made and then would be redistributed received another message on XX/XX/22 That an XXXX Fee of {$2000.00} had been Applied and the buyer would need to pay this and I reimburse the buyer I have copies of all emails and pictures of account transfers from said buyer, I then received another email on XX/XX/22 In regards that everything was almost settled but another fee had been applied a {$1500.00} and that the The buyer we need to pay this and be refunded I have not made any transaction in regards to this {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MD
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:
Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies :

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 2021-08-24
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a credit inquiry on my XXXX credit report that i do not recognize and did not authorize i have tried to contact ford motor credit to resolve this and they have not been helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.

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 2021-11-26
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2020 I received a refund from XXXX for an item I Purchased with my visa Credit Karma card which i have provided screen shots of The refund was issued was to post in 3 days I called Credit karma to inquire about why the refund has not been posted on the 3rd day Which today is XXXX XXXX 2020 I was told by customer service 2 different things one rep told me funds would not be made available till Monday XXXX XXXX which is unacceptable another told me That she does not see a refund issued on my account I called XXXX for a second time to see if they did issue the refund and i was told by their rep the refund was issued on the XXXX of XXXX I was also told by a representative at credit karma That i made using their visa card to release my personal banking and routing information for a refund which is unheard of for any type of refund They say Credit carma uses XXXX XXXX as their bank I called XXXX XXXX  and was transferred back to credit karma because XXXX wasn't able to access my account even though all transactions regarding my account goes through XXXX for routing purposes thru Credit Karma Credit karma should not be allowed to have access to people 's funds or money if credit karma can't even provide a customer with any kind of account information support or access to the customers actual funds a third party does they are not the bank XXXX is the bank and XXXX XXXX handles their customers not credit Karmas customers.If you have a credit karma account as a customer you have nobody to speak to in customer service who can accurately help you with funds or deposits made in your account This company should be looked in to as a whole as this is not the first issue I have had with them regarding funds in my account And I would caution anyone who reads this to never sign up with credit karma This company is not a safe financial institution to keep any of your funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: NY
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:
Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to 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 explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Sterling Infosystems Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone else 's name is attached to my account. XXXX XXXX of XXXX XXXX, XXXX, XX/XX/27

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 2022-07-08
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 fraud alerts or security freezes

Complaint:
I am XXXX XXXX and XXXX submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.

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 2022-07-08
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 fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.

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 2022-07-08
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : USDOE/XXXXI : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian about credit report inaccuracies Name, address, employer and inquiries that I never authorized. 

They amended my name employer and never responded to my letter regarding credit inquiries. There was no mention of it in the letter I will include a copper of the letters. 

The fair credit reporting act says they need to investigate these, they arent allowed to ignore my complaint. Which they have done. I have no accounts with these creditors nor did I ever sign anything or agree to have my credit shared.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: LA
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 XXXX # 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 an account without written instructions violated my rights.

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 2017-10-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full of XXXX remove from my credit as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: PNC Bank N.A.
State: NJ
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 have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This account was opened without my approval and authorization. I contacted XXXX XXXX/XXXX about this account being opened without my approval and authorization by XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX/XXXX is a scam and needs to be investigated because of their unfair business practices and all the dental offices that work with this company. I filed a complaint against them last year that this account didnt belong to me and I am not responsible for it. However, they are still reporting it to credit bureaus. 
I spoke with case XXXX- XXXX at the corporate office who handled my complaint to dispute services provided who advised that that I would be issued a credit in that amount and would no remove the account from my name. Last week, they reported the account as late to credit agencies. This account does not belong to me and should be removed from my credit file completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Cottonwood Financial Ltd.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got a loan of XXXX I was told by my bank or cleared. Never received a letter of phone till a year and half later from a company called American they didn't tell me their name when they called after doing some research I found their name. Tgey refuse to accept payment says they are suing me. When I ask their address they refuse to tell me and hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I hello I sent an email to XXXX  on XXXX XXXX that gave my number to the debit collection agency Me and my aunt who was on the lease let them know that we was trying to pay the debt off the lady on the phone with the collection company I was trying to pay it off but she gave me a fake email to a dispute department that never emailed me back or called me back this was on XXXX XXXX after this my aunt received a letter in the mail say she didnt have to pay the balance this she received that paper back in XX/XX/2021 but they are still pursuing me even after the disputes they garnished my account XX/XX/2021 I have XXXX kids XXXX, & XXXX I have to take care of and I can barely take care of them by myself since covid 19 hit I receive food stamps an Medicaid for myself and my kids the money they took out my bank put me more In debit they never told me I could do a dispute I would have been able to pay 10 % I told the lady over the phone this before she gave the fake email I also sent an second email I attached all the emails to this letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation