BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: DISCOVER BANK
State: NY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was using 'XXXX '. I got a new provider and XXXX starts billing me with exorbitant bills suddenly generated by them.they asked me to return some equipment and I explained to them that I was XXXX and had no transportation. I told them to come and pick it up.they refused to do so. now I 'm getting called every day and today [ XXXX/XXXX/2015 ] they 've called XXXX already and it 's just XXXX o'clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 initially opened up a credit card with XXXX XXXX in XX/XX/XXXX. XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. Based on my credit report with TransUnion, XXXX it look as if this account is only 2 years only when its actually 4 years old. TransUnion is stating that based on their on investigation the date of XX/XX/XXXX is correct. I have emails that state I was paying on this credit account in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Cascade Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never use this company Cascade Capital Funding LLC before. I have no reason to use this company. I don't know how they got my name. But never use them at all.

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 2020-12-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I attempted to make contact with XXXX XXXX XXXX  in XXXX of 2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2022-05-31
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a threatening email stating speedy cash ( XXXX XXXX ) sent me a warning XX/XX/2020 for a loan I never took out when I contacted them that more threats came especially when I asked for proof for signed documents Ive called speed cash twice IM MOT IN THE SYTEM I have no ideal who XXXX XXXX is or the attorney she sent the information to & that is : XXXX Claiming legal will be taken & my employer will be contacted Amour {$970.00} if I dont pay that itll be {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. 

I want the following deleted. 
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since I requested the company to remove me from the forbiddance plan, I'm trying to resume payments, but they do not move the balance acquired during the forbiddance to the end of the mortgage, so the website doesn't allow me to resume my payments. 
I'm trying for more than a year to follow the process of providing all the required documents but so far no answer from the company. 
Now I received a letter from a layer office informing me my mortgage was sent for forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a line of credit with Huntington Bank. The account number I am referring to is # XXXX and it is attached to some land I own in Michigan. I asked the bank for statements a long time ago and never received them. I am currently selling the land and I asked for statements covering years XXXX through XXXX. I originally talked to XXXX there about these over a month ago. When I never received them, I called back and she said she put the wrong account number on the request. I again asked for these statements and the bank demanded {$900.00} for copies. I told them I needed to check some discrepancies on the loan amount. I plan to pay them off, but I need to go over these documents. I called to talk to XXXX 's manager, XXXX XXXX, but she was unavailable. XXXX said the bank is demanding payment for the copies or they will not supply them to us. I told them it is in their best interest to give us the copies so we can check them over, but they refused. I want to get this loan paid off but the bank will not work with me on this information. I am disputing the amount they have down of {$14000.00} for cash advances and {$7000.00} for purchases. I am trying to find out where these figures came from when I do n't remember authorizing these charges. A copy of these statements would help to clear this up, but I am a XXXX and can not afford to put out {$900.00} for copies. I have tried to work with this bank to get this resolved, but to not avail. I really need your help. I want to make sure the amount showing I owe is accurate. It seems too high since I have been paying for such a long period of time. You would think the bank would help me so I can resolve this and pay them. Again, please help because they will not budge for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX22 XXXX, XXXX, equifax refuses to provide XXXX with a copy of his XXXX credit reports and refuses to provide XXXX XXXX with a copy of his credit reports, they also refused to correct the information on his credit reports causing credit fraud on XXXX credit files, they falsely accused XXXX of impersation and refused to temporay lift and remove the credit freezes on all XXXX credit reports so t.moblie could do a credit check for XXXX to obtain t.moblie services and a phone, instead credit, loans etc given to hackers instead, furthermore all XXXX emails, phones, numbers hacked and spoofed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USAA has sent a debt You will need to contact the third-party agency, XXXX, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what USAA has done I don't know who this company is that I have to reason with to resolve any dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
COMENITY BANK CONTINUES TO REAK HAVOC ON ALL OF MY CREDIT CARDS THAT HAVE BEEN ISSUED AND OR BOUGHT BY THEM. THE LATEST CARD IS MY XXXX XXXX STATING IT REVEALED POTENTIAL CONCERNS AND OR IRREGULAR CREDIT CARD TRANSACTIONS. REAL COMENITY THE ACCOUNT HAS BEEN PAID IN FULL FOR MONTHS/YEARS WITH A A+++++ PAYMENT HISTORY. I DO NOT UNDERSTAND WHY YOU ARE DOING THIS TO ME AND ALL OF MY ACCOUNTS IT DOES NOT TAKE A GENEROUS TO SEE THERE ARE NO IRREGULAR CHARGES ON THESE ACCOUNTS AND MY ACCOUNTS DO NOT POSE ANY CONCERNS. WHY IS IT YOU SINGLE OUT ANOTHER ACCOUNT OF MINE AFTER YOU HAVE RECEIVED MY COMPLAINT THROUGH CFPB???? I AM TAKING YOUR ACTIONS AS RETALIATING FOR YOU ALSO DID IT TO ANOTHER ACCOUNT OF MINE PRIOR TO XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently Wells Fargo offer me XXXX steps refinance no closing cost. Wells need to provide breakdown analysis. They misinterpreted whole refinance, afterward increase my monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did found out this morning that I received the email from XXXX XXXX said that I have XXXX point off on my credit score. Because of Inquiries ( Target credit card ) I didn't apply for target credit card on XX/XX/2022. I will like to please remove that in my credit and MUSR BE FRAUD. I just spoken to XXXX live person said I have to go thru fill it out paper form on FTC.GOV. I give them my drive license and social security and explain to them what happen then mail it. they will received from me then they will remove target credit card on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Received email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER. Unsolicited, called Amazon, who had many complaints, tried calling Synchrony Fraud and New Account and Customer Service. Fraud voicemail said they were closed, others waits 23 and 25 minutes and never reached anyone. Online search found hundreds if not thousands effected with similar emails. Appears not to be fraud, but Synchrony used Mt Lowes Credit Card information to apparently open an Amazon Credit Builder account which was never requested by me. 

What can be done to stop Synchrony from opening accounts without approval and seemingly without Amazon requesting the accounts. Cant get the truth, but it feels like the XXXX XXXX debacle all over again.

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 2020-12-24
Company: Experian Information Solutions 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/2020 XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is currently on file, and as a result an extended fraud alert was placed on my credit report recently. Wish to dispute this inquiry and have it removed as a result.

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 2022-05-31
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are attempting to collect a debt from someone i dont know that may have had my number previously. After numerous encounters and repeatedly asking them to stop calling me, they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: FL
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 am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MS
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 Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 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 2020-12-24
Company: Experian Information Solutions 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:
I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2022-10-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-05-31
Company: Experian Information Solutions Inc.
State: AZ
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 am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any items listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 

Here is the list of the items which do not belong to me or were opened without my permission. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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.

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 2021-01-10
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dates : XX/XX/XXXX and XX/XX/XXXX Amount : {$1700.00}. 
Falsely reporting inaccurate information to Credit bureaus. 
Company reporting false information : JEFFERSON CAPITAL SYST.

Company response to consumer: Closed with explanation