BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Open Date : XX/XX/XXXX Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Open Date : XX/XX/XXXX Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-07-27
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My complaint is against : Vanilla Visa Gift Card ( Incomm ) XXXX XXXX XXXX, # XXXX XXXX, GA XXXX XXXX ; XXXX ; fax XXXX XXXX On XX/XX/XXXX, my daughter purchased online a {$500.00} Vanilla Visa card as a gift to me and my husband. She received a confirming email ( att 'd ) with an image of Card No. 
XXXX XXXX XXXX XXXX showing an " available balance '' of " {$500.00} '' ( att 'd ). This was a digital card -- no physical card was ever received. 

On XX/XX/XXXX I attempted to use the card for the first time to purchase a $ XXXX train ticket, and the card was declined as insufficient. I immediately called Vanilla at XXXX and was informed there were XXXX prior charges commencing XX/XX/XXXX through XX/XX/XXXX that totaled {$370.00}, leaving a balance of {$120.00}. I disputed the charges and was told I needed to file a formal dispute. Vanilla emailed me the form, which I completed and submitted to XXXX on XX/XX/XXXX ( att 'd ). Further, Vanilla put a " hold '' on the {$120.00} balance -- meaning I could not use the card for that amount. 

On XX/XX/XXXX I followed up with Vanilla and was told it needed 45-90 days to investigate. I requested that in the interim they send me a check for {$120.00} -- the balance on the card. I was told they could only do that if I closed my dispute. So, not only have they ripped me off for a {$370.00} they also refuse to send me the balance! 

On XX/XX/XXXX I again followed up with Vanilla and was to it was still " under investigation. '' I asked if they contacted any of the vendors, and Vanilla refused to give me any information and said it takes 90 days! 

Vanilla is obviously running a scam -- it is all over social media ( att 'd ). I only had a digital card, so this is not a case of data being scanned from a store shelf. Vanilla is either running a scam or has an internal problem -- either way, it is well aware of the problem and has done nothing about it. 

Further, I believe XXXX XXXX XXXX XXXX, is aware of the issue and has sat by idly while hard-working people are being ripped off and they are benefiting from fraudulent charges! 

I want my {$500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have several times contacted TRANSUNION TO REPORT MY AUTO LOAN WITH XXXX XXXX. They claimed that the account was " deleted '' because I had filed a dispute. I informed that the dispute was to the amount of debt, not the account and they stop reporting the account. I called 9 times, they claimed that XXXX XXXX was the one to contact them. 
I contacted XXXX XXXX and they informed that they have submitted requests to include my account on the report. This account has been reported to XXXX  and XXXX, not to TransUnion which is hurting my credit score. 
I need the account to be updated.

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 2022-07-27
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019, I sent in a personal check in the amount of XXXX in an attempt to pay off my loan. I took the envelope with the payment into the post office and paid an additional fee for priority mail with a tracking number. The address for the company 's payment processing was a P.O. Box. The payment was delivered to the company 's P.O. Box on XX/XX/2019 according to the post office tracking information. 
I have attempted numerous times to inquire as to the status of the payment ( whether it has been received, etc. ). Netcredit constantly puts me off, never answering the question as to when it is they actually pick up their mail for mail-in payments. I have sent them images of the check as well as the receipt from the post office showing when and where it was mailed. All they do is ask for a copy of the back of the check, avoiding answering the question of receipt of payment. 
I've had issues with this company in the past regarding making any early payments which is why I am attempting to pay them off as soon as possible. The amount sent,XXXX would have paid off all if not most of the loan but since " they do not see any payment received '', additional interest accrues daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.

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 2022-07-27
Company: SFMC L.P.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a resolution for a modification with my mortgage for over 2 months with no end. Starting XX/XX/XXXX. I tried to call and make a payment with Service First Mortgage. After being denied to make payment I received a letter in the mail Dated for XX/XX/XXXX for a Face to Face Interview. Then another letter Dated XX/XX/XXXX and mailed stamped XX/XX/XXXX for a Notice of Acceleration with no Good Thru Date. When I called Service First they referred me to the Law Firm handling this account. I have spoke since XX/XX/2022 with law firm with a XXXX XXXX on the phone and thru email constantly with them and they were also having a difficult time getting information from Service First. After a month of correspondence with the Law Firm they finally received information and a quote for reinstatement. The Law Firm then told me to go to Loss Mitigation. I requested the packet and explained the situation that I work in the Oilfield and have to electronically sign documents due to the fact I work in areas where printers are not available. Then nowhere on the packet states that a electronic signature is not accepted, but now are saying that certain documents cant be signed electronically. My wife has called daily since XXXX to Service First and constantly gets several different answers from several different people in Loss Mitigation and Foreclosure. Foreclosure department even hung up on her. When she has asked several times to speak to a Supervisor no one calls her back. This is getting ridiculous and I need help. My Loss Mitigation was submitted on XX/XX/2022 with everything requested on application and now they keep giving me the run around. I need help! All I want is to get a modification to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the time I had XXXX the services continued to be disconnected during weather the internet phone and cable continued to stay off I got so frustrated I returned all equipment and waited for a credit due to the services being more off than on. They advised once I return it I would receive a credit as of today 's date that has never happened. All equipment has been returned as I was advised but XXXX never gave the final bill nor the credit that they advised that they would for their services being more off than on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: Information belongs to someone else

Complaint:
I've tried over the last year for Equifax to remove a XXXX  XXXX  account that is in the name of XXXX XXXX. XXXX XXXX XXXX has already agreed this isn't my account. Both XXXX  and XXXX  have removed it from my file. Yet Equifax refuses to remove this. This is my last step before having to go back to court. 

Equifax has agreed my name and info is XXXX XXXX, it's already been proven in court that I am not XXXX XXXX, nor is this account mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I used Synchrony 's online website to apply for a credit limit increase to a card that I have been faithfully paying roughly double the minimum monthly payment on, which was denied. My credit limit at the time on the card was {$1500.00}. On XX/XX/XXXX I received a paper billing statement as well as a notification of review of my account ( dated XX/XX/XXXX ) where I was told my account had been reviewed and Synchrony was decreasing my credit limit from {$1500.00} down to {$250.00}. I called immediately to find out why and was told my account had been reviewed and my credit score wasn't high enough. The letter containing my notice of a lowered credit line also states that my credit score was XXXX at the time of sending, but on Synchrony 's own website where it tracks your credit score, as well as using XXXX XXXX 's application, it shows my credit score was XXXX. So now by lowering my credit limit, it is also decreasing my credit score and they are using that to say I lack the creditworthiness of my original {$1500.00} limit ( of which I am never late ). Also, they are either reporting credit wrong, or using wrong data to support lowering credit limits, which in turn they are using to create worse credit scores, in perpetuity for an excuse. I am currently preparing to buy my first house, and as my credit score trends upward, lowering someones credit limit in order to generate a lower credit score then deny their creditworthiness is patently unfair, and makes me look like a bad borrower. When I called asking my credit limit to be returned to what it was, they said they could only do that by running a limit increase again XXXX of which I was denied, and they would not tell me why. ) As of the time my credit limit increase was processed, my score is currently XXXX XXXX XXXX ) and XXXX ( Synchrony ) reporting. Again, trending upwards because I am paying my cards on time and paying off old accounts.

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 2020-01-03
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a class action postcard against this company explaining they had no license to collect debts in the state of Maryland and also I never received anything regarding this debt and also the debt is to much for the period of time of the debt and they also are on my credit and the co signer credit with never even notifying either of us because the default amount is bogus!!

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 2016-08-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information

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