BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine 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 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 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 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 2017-09-08
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.

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 2017-09-08
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paradigm Assets, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My current address is XXXX XXXX XXXX XXXX NJ XXXX all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to about XXXX XXXX XXXX. On XXXX XXXX I was given a citation of eviction for XXXX XXXX XXXX  XXXX XXXX dollars.On XXXX XXXX. I had a court date and the Judge ruled in my favor to pay XXXX XXXX XXXX  XXXX dollars My rent for XX/XX/XXXX was XXXX XXXX XXXX   XXXX dollars with late fees included of XXXX XXXX dollars along with the filing fee of XXXX XXXX  XXXX dollars. Mrs. XXXX was in court asking for XXXX dollars and the judge asked her why?. She couldn't explain to the judge what was the amount including that is when he made a judgement in my favor for XXXX XXXX XXXX  XXXX dollars including filing fee of XXXX. In XX/XX/XXXX, I had received a notice of move out charges were I didn't agree to. I moved out as of XXXX XXXX. In the state of Texas after eviction you can't stay in the place if you do stay the management have to go back to court to get the constable to evict you but we left an moved bwecause the Judge asked me to move within five days. I had moved in with my mom until XXXX XXXX. We moved into a hotel on XXXX XXXX until my apartment was ready on XX/XX/XXXX, Also the itemized move out letter stated We had moved out on XX/XX/XXXX. Mrs. XXXX charged me rent for XX/XX/XXXX, late charges and the eviction fee the courts had already included in the amount I owed XXXX XXXX stated I caused damages without rendering my security deposit back. The damages were foreign to me and made up. Mrs. XXXX was later fired from XXXX XXXX XXXX for stealing from tenants. I have disputed with Pro Collect and the credit bureau since XX/XX/XXXX about the facts of this matter. Both Pro Collect and The Credit Bureau had told me the information is verified. Furthermore, I only receive the amount owed on my credit report XXXX and the statement from Pro Collect is XXXX and the amount with the court is XXXX. This also paced on my son 's credit and he wasn't responsible for this debt he was in high school. He had to be placed in the adults section because he was XXXX years old.

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 2022-02-13
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have Identity XXXX I never open that account please petrify this information but I also I went back XXXX  on 2014 thank you very much for help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX

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 2022-02-13
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my XXXX XXXX XXXX XXXX  to send money on Cash App XXXX transactions were denied by cash app, Ive tried calling Cash App and can only talk to someone via the App and they say they same thing, Cash app says they sent the money back to my card on XX/XX/XXXX, today is XX/XX/XXXX, I have contacted XXXX XXXX regarding this and was asked to send in screenshots of my conversations with Cash App, their response and the transactions and they also have not been helpful and XXXX XXXX only says call Cash App or the payments were completed, hung up on, refused a supervisor, and told me to get a pen and paper only to tell me to add up the transactions, the money has not been returned to my account, I now have {$110.00} late fees for rent and my phone has been shut off, it seems like a game and no one wants to tell me where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Grant & Weber
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, consumer, have received a notice from a debt collector. Grant and Weber says I need to dispute by XX/XX/2022. Do not assume that your information is correct. I will be mailing you documents to formally dispute this alleged debt.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX and XXXX XXXX / XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

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 2022-02-13
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2022, Credit Collection Services mailed me my " first '' notice stating that they were attempting to collect a debt from me. I then received my second notice on XX/XX/2022. I was not provided the required 30 days to respond to this debt before Credit Collection Services reported me to the national credit bureaus. I sent notification by certified mail to Credit Collection Services stating that I needed validation of this debt on XX/XX/2022. Credit Collection Services received my notice on XX/XX/2022 but reported me to the national credit bureaus on XX/XX/2022.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This new complaint is a direct result of PHH/OCWENs response to my previous complaint about them mishandling everything with my account. In the companys response to my previous complaint they stated that they have sent me several documents concerning my account. I responded that I have not received any correspondence whatsoever, not by phone or mail or any other conceivable method. This complaint is specifically addressing the documents they claim to have sent. These documents, some addressed to me and some addressed to my late husband who has been dead for a year and a half, WERE ALL SENT TO AN ADDRESS NEITHER ONE OF US HAS LIVED AT FOR OVER SIX YEARS! SIX YEARS!!!! Where did they even get that address and why after having the loan for my current house for three years would they send it to such an old address?? How does this even happen??? Now they will no doubt charge me even more for their gross, disgusting incompetence. This just has to stop! The incompetence of PHH/OCWEN has made my life an absolute XXXX for over a year. 
I dont believe anyone can be this completely idiotic. It took effort to find an address that is over six years old. I suspect that documents were intentionally sent to the wrong address so they can deny the current modification offer, add more unjustified fees, and continue foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: VA
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:
Experian dropped my credit score by XXXX points on XX/XX/XXXX it was XXXX on XX/XX/XXXX now is a XXXX. I called about it on XX/XX/XXXX, I spent about 2 hours on the phone with XXXX who with help of other Co workers told me there was definitely a technical issue with my report. He reassured me that they would fix the technical issue on my report. They have not fixed it. They have no explanation as to why it dropped XXXX points. XXXX has my score XXXX, XXXX an XXXX. I worked very hard to get my credit up to these exceptional scores. Then Experian decides in a matter of 3 weeks to drop my score from exceptional to good. This is very detrimental to me as if I need anything they are messing up my exceptional credit history. I've called twice. They had me call Fico who tells me it's an algorithm pretty much. I don't see how it's legal to drop someone's score XXXX points in a couple of weeks for no reason messing up a very important piece of someone's identity. I went and placed fraud alerts and everything on all three credit bureaus because I didn't know what was going on along with freezing my credit. They need to fix this because this effects my life greatly.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX writing this complaint regarding a dispute with Transunion. Without any influence from any third party. Attached documents and ID as it contains my full compliant and request.

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 2019-03-30
Company: Advance America, Cash Advance Centers, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My husband and I got a pay day loan cant afford to pay on it and they call me minute after minute with different numbers and in known numbers from XXXX XXXX through out the day even in XXXX First American loans XXXX Ohio Under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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 I am an affected person : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''

Company response to consumer: Closed with explanation