BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/2018 -late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name : XXXX XXXX XXXX type : TD Bank Credit Card ( visa ) Account number ending in : XXXX Social security : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX Dear CFPB, I am a customer of TD bank. On XX/XX/XXXX, I was charged {$180.00} for a XXXX XXXX XXXX XXXX transaction I never authorized. 

Ive called TD Bankss fraud department more than 10 times but no one ever answers my call. During every call, Ive been placed on hold and have waited multiple hours, altogether, without a response. 

Thank you, XXXX XXXX Ive never had an experience like this with any bank Ive done business with. 

Id really appreciate it if someone can help me sort this out. 

Thank you so much for taking the time to read my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
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:
In accordance with the Fair Credit Reporting act XXXX 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 2022-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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 2017-10-17
Company: CURO Intermediate Holdings
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:
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This complain is about Synchrony Bank, on their XXXX XXXX credit card. 
On XX/XX/2018, I planned to submit the application online. However, I was not able to submit the application successfully in first 5 trials due to their website issue. The last time the application went through but it was declined : 1. I never received an email of notification of denial as they stated in the application submission confirmation page 2. I received the denial notice in mail, saying the reason of denial was " high risk source of application. '' I tried to contact the company twice, spoke to at least 5 people within the bank, on hold for total over 1 hour, no one could provide me an answer of what does the high risk source of application mean. Instead, they continue to ask me to call credit bureau, where, however, I was not able to locate any credit bureau number on their notice at all. 
I suspect I was being unfairly denied due to their initial website submission issue ( which caused my credit report to be masked, for example ). However, no one in the company could provide any possible solution and conduct a due diligence review 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 2022-01-12
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Im writing this complaint in regard to an unauthorized transaction of 1500.00 that was sent from my square account to user XXXX XXXX XXXX. I was a victim of Phishing and identity theft, someone accessed my account. My email address was compromised and this person accessed my accounts and sent unauthorized transactions. This was my rent money this scammer stole my money and I was unable to pay my rent now I am facing eviction, I wrote to a representative of square on the apps chat messenger and they refused to investigate what happened and refund me my money. They told me that the money came from my bank account but it didn't it came from square balance. i need someone to investigate this matter it is alarming that square allows scammers to use their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX XXXX about a doctor bill I told them I wasnt seen there on that date. They said my grandson name i said he is grown XXXX and i am not responsible for his Bill 's. He moved out my house at XXXX. They put his bill on my credit report. I disputed it and they came back and said it was my debt. He is own his own and grown and I am not responsible for his bill. He has no XXXX and he is a grown working man. I am upset that this collection is on my credit when clearly I wasnt seen on this day nor was I present with him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Hillcrest Davidson & Associates
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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 had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the transworld collection also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the XXXX credit reporting agencies as its a duplicated re-aged collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Tried to buy a car and see a debt with the company comenity bank of {$3800.00}. I've never heard of spoke to these people before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINANCIAL XXX Opened XXXX XXXX, XXXX Balance {$21000.00} ; ALLY FINANCIAL XXX Opened XXXX. XXXX, XXXX Balance {$0.00}

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: Byrider Franchising, LLC
State: VA
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:
Account : XXXX XXXX XXXX XX/XX/XXXX I have wrote the credit bureau about this account being on my credit report. I have asked XXXX and XXXX to remove these accounts but I have not seen a change on my report. 

Account : XXXX XXXX XXXX : XX/XX/XXXX I have sent XXXX and XXXX a dispute letter asking them to remove the accounts. These accounts remain on my credit report and have not been removed. 

Account ; CNAC XX/XX/XXXX I have sent XXXX a dispute letter about the account being on my credit report. I have asked them to remove the account from my credit report but this account remains on my credit. 

I am not aware of any of these accounts and they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the Covid-19 Pandemic, I started having financial hardship due to the decrease of my business and since then I started having difficulty to pay my mortgage payments. I requested help from Select Portfolio Servicing and back in XX/XX/XXXX they put me into a 3 months Forbearance program and not pay my mortgage payments. After the 3 months still in the same financial hardship they gave me another 3 months and another 3 months. My delinquency has increase and now they want me to pay them all the past due mortgage payments within 30 days. I have no way of paying them back when I am still struggling with my business. I have requested to put me into a deferral in which since they offer me the Forbearance they have mentioned that they were working on a solution to offer by the end of the Forbearance and the solution is Foreclosing on my home. I have no way to pay this Lender my delinquency in which they made me think that they were going put my delinquency at the end of my loan. I am asking for help with my lender to modified my loan or put my delinquency into a Deferral. I have attempted several ocasions to resolved this matter with my lender and have no resolution. I was informed that as of XX/XX/XXXX that Mortgage Payment Deferral became available to homeowners. Federal Funds Relief or any other type of funds that can be helpful to me as a Homeowner that due to the Covid-19 I was placed into this terrible hardship. Please help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Innovative Mortgage Services, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a mortgage in XX/XX/2020 with a rate of 4.25 %. At that time rates were in the 2s no matter what credit report was like. This was an fha loan. 3 people on loan ... XXXX $ to put down. Usually if this happens to a person it is to get money back at close. This did not happen. 
I paid XXXX XXXX of innovative mortgage ... XXXX XXXX XXXX over XXXX $ the broker was to find a lender in my best intrest. He did not. Since i have refinanced to a much lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Complaint XXXX has not been resolved and situation has become worse. XXXX taxes now 3 months delinquent. 

Previous complaint was that taxes due on XX/XX/XXXX were not paid out by my mortgage company. As of XX/XX/XXXX they have still not been paid. 

In XXXX, PHH mortgage accepted an electronic payment on my account but did not " apply '' it. So I then saw in XXXX that they had my account as 33 days overdue and my auto payment had been turned off. 

On XX/XX/XXXX, I spoke to PHH and was told the XXXX payment would be applied in a few days but that I would need to do a one time payment for my XXXX mortgage. As directed by XXXX, on XX/XX/XXXX, I did a one time payment on the phone with XXXX. 

Today, XX/XX/XXXX, I see a payment deduction from XX/XX/XXXX of {$1600.00} AND on XX/XX/XXXX a payment deduction of {$1700.00}. My mortgage payment has been deducted now twice. HOW MANY PEOPLE CAN AFFORD THESE KIND OF MISTAKES? 

FYI : My taxes due in XX/XX/XXXX, were paid 4 months late. 

I am desperate for some help with the poor service and record keeping of a company that gets business from XXXX XXXX. PLEASE HELP ME thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NE
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 XX/XX/XXXX I sent letters to XXXX, Equifax and XXXX regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX 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 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 explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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