BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
for the last few months XX/XX/21 XXXX I have contacted Experian by sending them disputes letters about misleading and incorrect information that they continue to post on by credit report without verifying the information they have failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accuracy Experian is reporting 12 difference XXXX XXXX XXXX each one is spelled difference and 1 XXXX XXXX also 9 addresses that's outdated also accounts for as XXXX XXXX XXXX account balance is incorrect, farmers furniture account is not late, first investor servicing crop Experian is reporting one balance and the other bureau is reporting something way difference also XXXX  XXXX XXXX was not verified before posting to my account, XXXX XXXX wasn't verified, XXXX XXXX XXXX/ total wasn't verified, XXXX XXXX account balance wasn't verified in my closing Experian need to follow the law just like everybody else do by verifying information before you posting on peoples reports

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 2022-02-08
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
i applied for a credit card at check out for XXXX XXXX card. My request was denied. I received a letter from XXXX XXXX stating that my request was denied because " credit bureau reports applicant is deceased. '' The credit bureau is Experian. I have called, sent a registered letter with copy of notice from XXXX and they keep telling me there is no record of the application to XXXX. I sent for a copy of my credit report and it shows the inquiry by XXXX but states " reason : Unspecified. '' I tried to get this corrected online to no avail. I am concerned that this will be an issue later. I am XXXX XXXX XXXX and want this corrected ASAP. The inquiry by XXXX is " scheduled to continue on record until XX/XX/2024.

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 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY 2 CARDS. THEY REPORTED ME LATE IN XX/XX/XXXXAND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY CREDIT SCORE DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.

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 2022-07-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD bank has allowed several accounts to be opened in my name fraudulently. I went into the bank the first time with my id and social security card letting them know it was not me. After that they allowed them to do it again. I have lost hours at work. That is financial abuse to continue to let someone do something like this. Its pure negligence and I am not the only one experiencing this issue its happened to thousands of people recently at TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CURO Intermediate Holdings
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Looking at my most recent credit report i noticed Ad a Astra recovery services is reporting unverifiable/inaccurate information on my account. according to the type of verification required by Section 809 of the Fair Debt Collection Practices Act.. 

The statute requires that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose. one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt. Once again, Mere itemization of what the debt collector already has does not accomplish this purpose. 

Ad astra recovery services have not been able to send me evidence bearing my signature stating that I am legally obligated to pay ad astra recovery services.Ad astra recovery services have not been able to provethat I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. because of this, Ad Astra Recovery Services must request that all credit reporting agencies delete the entry which they are inaccurately reporting & violating the FCRA & FDCPA law put in place to protect consumers like me from being bullied by debt collectors such as ad astrarecovery services. These false entries by ad astra recovery services are hurting my chances of obtaining credit and need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I overnighted a payoff check to XXXX, it was received on XX/XX/2022 via XXXX tracking XXXX. As of today, XX/XX/2022 the payoff has not been posted to my account. I have contact them twice to follow up, the company is telling me it will take up to 2 weeks to post the payoff to my account. In the meantime they will draft me automatically on XX/XX/2022 an additional {$1200.00}. Further increasing an overpayment on my loan. All while the loan is continuing to accrue interest at a higher balance than should be stated. I am not getting any type of resolution from the servicer and request a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX-XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me at risk of identity theft and fraud due to negligence in handling sensitive consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax was hacked and my information has been leaked including the answers to my security questions. They have offered 1 year of protection for free but that does not guarantee my safety as all it takes is the criminals to wait one year to use my information to open accounts in my name. With my security questions they could also gain access to my bank accounts as well. This is very concerning and 1 year of protection will not protect me for long and will not protect me from all possible damage or heart ache this will surely cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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 was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XXXX/XXXX/17 I was notified of a hacking on Equifax 's database. Through their fraud checking website I was made aware that my personal information, including social security card, name, and birthday, may have been compromised in this hack. 

On top of this, after checking with equifax about the chances of your information being compromised, they offer a year of protection for free but in the terms of service it says you waive your ability to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Social Finance, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I took advantage of a XX/XX/XXXX promotion with SoFi where I would get a {$600.00} bonus if I signed and funded a personal loan. The terms of the promotion can be found at https : XXXX ( XXXX XXXX XXXX : XXXX ). I applied on XX/XX/XXXX ( the cutoff for applying was XX/XX/XXXX ). After waiting for some time, I got a response on XX/XX/XXXX asking me to submit a copy of my SSN card which I supplied the same day. On XX/XX/XXXX I got a response asking me to unfreeze my XXXX credit report which I completed the same day. Then on XX/XX/XXXX I was approved and provided some forms to sign off on which I did the same day and then the funding process began. Now the problem is I didn't meet the cutoff date to sign and fund the loan by XX/XX/XXXX because I wasn't provided the forms to sign off to in the first place by that date in order to feasibly meet the terms of the promotion. I called and asked if I would be receiving the {$600.00} bonus and I was told " no '' because I didn't sign off on the loan by the deadline. This is absolutely ridiculous and predatory because I took a hard inquiry and signed off on a loan I didn't actually need, but applied for anyways to get a bonus that I was supposed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Consultants or DCI is a third-party debt collection agency based in Florida. Wanting to collect on a false claim of a bill from XXXX XXXX XXXX. 
Phone numbers used are : XXXX, XXXX, XXXX, XXXX Calls daily. last call XX/XX/2019 at XXXX. other : XXXX at XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX, XX/XX/2019 @ XXXX & XXXX and more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi! 

We bought XXXX gift cards from XXXX worth {$750.00} ( XXXX ) as a wedding gift to our best friend 's wedding. 

The cards were purchased on XXXX XXXX. Our friends when they tried to use the card a few weeks later but to their surprise they noticed that {$500.00} gift card already had multiple transactions charged for small amounts by XXXX totaling {$490.00}. 

On XXXX XXXX our friends initiated a dispute with the vendor and they were told to wait for 90 days. On XX/XX/2022 the vendor came back stating that there was no fraud detected on the card and we were advised to contact XXXX to check on their side. 

On XX/XX/2022 XXXX also replied and stated that they were not able to detect the fraud and money will not be refunded. 

Now after all these months of struggling with multiple vendors we still have not received any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

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 2019-07-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: SUNTRUST BANKS, INC.
State: MD
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: Old information reappears or never goes away

Complaint:
I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2021-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am on XXXX and my XXXX check came in late in XXXX it came on the XXXX instead of the XXXX and payments came out of my bank account that were charged late payments so I did not have the money to pay my mortgage that month I contacted the mortgage company and they put me on a covid relief thing and gave me until XX/XX/XXXX to catch up without interest so I did not pay the month of XXXX but I paid XXXX I went to the homeless coalition for XXXX and they paid that in the beginning of XXXX and then I made my XXXX payment. my family helped me and made 2 payments. I have made eight payments myself. In 11 months there has been a total of 11 payments.. every single month they harass me. they're adding on late charges they keep saying I am behind and I can't seem to get through to them they just won't listen they've hung up on me I'm just so frustrated and it's every single month and I'm XXXX and I can't handle this anymore I'm fighting hard enough to survive on XXXX and they keep saying this payment went to this month and this payment went to this month instead of just making this simple and seeing that I paid 11 months for 11 payments they claim the month of XXXX that they sent me a check back after I paid in full and I never received the check and I never cashed it and they said that was resolved and now they're bringing it back up I don't know how to resolve this I can not work with the company they they keep telling me I'm behind adding on all kinds of fees. They are ruining my credit and every single month I have to call and every month they tell me a different reason. I talked with a supervisor back in XXXX that figured out they sent me my XXXX payment back. XXXX  I don't know why they would have done that when I was paid in full and I never received a check and I never cashed it and I asked him to investigate to see if that check was ever cashed and they couldn't seem to figure out how to do that so they sent me another check and he told me to just send that back. That just confuses everything I was paid for XXXX and I never received a check back for it it was never cashed if they sent one would have solved everything and they said they were investigating it and everything was all set next month telling me I owe something else again different month simply paid XXXX and then I made 11 payments since then and that is a total of a year I am not behind and they refuse to just simply check the amount of months to the amount of payments. 
i have attached my bank statement showing 8 payment then add the 1 from the homeless coalition that helped me in XXXX and the 2 payments my family made in XXXX. That is 11 payments for 11 months. I also attached what they have sent as my payment history. I can't even understand it. I have had this morgage XXXX  years and never missed a payment till XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF $XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)

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