BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 would like to file a complaint regarding an incorrect collection account showing up on my credit report. After reviewing my credit report, I found a collection account under the name The XXXX XXXX XXXX in the amount of {$1700.00}. I am not aware of this account as I have never had service or an account with XXXX XXXX. I started the dispute process with TransUnion, XXXX, and XXXX to let them know this account is not accurate and should be removed as soon as possible. TransUnion sent me two letters pretty much indicating they do not accept dispute letters from credit repair agencies. I am not working with a credit repair agency and I have mailed multiple letters to TransUnion regarding this issue. I also sent letters to XXXX and XXXX and I was told either the account was verified, or I did not get a response at all. 

Neither of these credit bureaus can provide me with a signed contract indicating I worked for XXXX XXXX or I had an account with XXXX XXXX. According to the FCRA, anything that can not be verified, must be removed from my credit report. I have made multiple attempts to get this account removed, but I have not received an appropriate answer to this issue. This inaccurate collection account is causing me hardship and is negatively affecting my credit score. This issue is also preventing me from purchasing a home. I would greatly appreciate your assistance with getting this account removed.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX # 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 explanation
Consumer complaint received 2021-03-23
Company: GSF MORTGAGE CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I applied for a construction loan and mortgage with a one time closing from GSF Mortgage to build our home in XXXX. We were given the loan and had our closing in XXXX of XXXX when the home was complete. We chose the option to pay interest on the construction portion of the loan while the home was being built. A year after of being in our home we chose to refinance through another lender because we were dissatisfied with servicing our loan with GSF. Today my husband received an email from XXXX at GSF, that after a audit we still owe {$90.00} in interest. This is after the closing in XXXX of XXXX in which the whole loan ( conventional and construction ) was rolled into one loan AND after we refinanced with another lender ( the lender was given a pay off balance ) during the refinance process. GSF is unprofessional, unorganized company. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Cottonwood Financial Ltd.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was first called by someone stating she was from the courts and was calling to see if I would be served at home or work? 
She gave me the phone number of the company. Also, had the wrong address, I was so nervous, I gave the correct address, the summon lady, did mention that they should have sent me a letter, but since I never got any letters from them and have moved from my previous address that they could not do this. But told me to call them. 

I called XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX XXXX EXT:XXXX they said if I paid something that it could stop the person coming to my home. I called and the company stated that I would have to pay that day and set up debit card payments, I paid {$84.00} but then they said that XXXX bought the debt from Cash Store. The only problem is that I have been paying on that debt with another collector Cottonwood Financial, which has sent letters and proof of my payment to my email every month. XXXX claims that Cottonwood is a SCAM, not to take to them. Cottonwood claims XXXX is a Scam. 
I could find Cottonwood Financial on the XXXX site, search by phone and name and both were found, but I can not find XXXX XXXX XXXX anywhere. They took a payment of {$84.00} even though, I have been paying Cottonwood Financial {$25.00} per month and have been on time. But both are claiming they are a fraud. Also, called Cash Store Corp. and was told that once they sell the loan, they have nothing they can provide as proof, I own {$1500.00} remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: WI
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:
These are not my inquiries. 

XXXX XXXXXXXX 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 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My neiman Marcus  account that I had applied for online. I got approved made first purchase, however never recvd Bill. This happened XX/XX/XXXX. Very tough year, working in XXXX. During the midst of all that health issues at home however Bill was never recvd until I got an alert from XXXX XXXX alerting me I have a collection for not paying bill. I had never recvd my bill called neiman Marcus they stated I had chosen online payments when I had applied. I did not I promise and I never recvd any mail or even alerts in that matter thru any emails alerting me about payment. Have been disputing because due to this my credit score has dropped extremely not allowing me to Even apply for a loan. It is very tough times I have XXXX children and one of them has health conditions that I pay high medication costs. Please I need my creditor to do a one time courtesy removal of that late payment please so my score can go up and I can get a loan. This was an honest mistake and I have always been on time with my credit you can check my credit and see. Please help me remove this late payment off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail a debit card from Chase Bank, attached to a checking and savings account that I DID NOT open! I called the bank and talked to 3 different people and gave each of them my personal information. Someone indeed just recently opened those accounts but they wouldnt give me any information.I gave them the debit card number that was sent to me and was told to shred the card. I decided to put it all in my safe in case I needed it for evidence at a later time! Chase bank told me as long as that card is not activated that account can not be used. I was given numbers to XXXX, XXXX, and XXXX. I contacted XXXX and was asked a ton of questions about personal banking information like ; who do I have a car payment with and how much is my payment, what mortgages do I have, who are they with and how much! I went to my online banking and answered correctly the questions asked and at the end of our conversation was told that I couldnt be identified by my answers!!!! Im worried that someone had managed to get access of my personal information and use it for their benefit and lock me out!!!! XXXX told me to fax them a copy of my social security card, my drivers license, and other statements and questions! I am actually AFRAID TO DO THAT!!!! Im not sure if Chase was scamming me and gave me wrong numbers to the 3 credit bureaus!!! Right now I am extremely paranoid!!!!! Could you please advise me what else I need to do? Thank you Im advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several Commenity Bank accounts BJ NewYork and Compnay torrid Lane Bryant They did a computer upgrade or merger in XXXX or sometime near then they have yet to update consumer Credit file Ive called several times requesting my account info be update corrected.. I was told we are working to resolve, it will be next update, we are handling its now XXXX.. I still several accounts that are paid in full and Im showing a balance on my credit file .. as a consumer I should have to do a dispute to get my report updates the last update from commenity bank was in XXXX thats unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
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: Their investigation did not fix an error on your report

Complaint:
My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I enabled auto-pay on the loan. My payment portal clearly indicated " Auto Payment On. '' But, the Auto Payment system did not work for the last billing period. I signed-in the first Monday after the end of the billing period ( XX/XX/2022 ) to see if the Auto Payment had worked as I expected it to -- it did not. Instead, I had a late fee ( {$39.00} ) and the most recent payment marked as " overdue. '' I immediately paid the balance ( on XX/XX/2022 ) and reached out to AMEX support to get this resolved. It is a deeply predatory behavior for a loan provider to trick their customers into paying a late fee through an Auto Pay delay. Why show that I had " Auto Pay Enabled '' even when I did not? They intentionally mislead customers into not making manual payments by making it appear auto-pay is enabled, even when it is not. I received no communication from AMEX ( email, mail, phone, text, etc. ) about the due date of the payment, and especially no communication around the status of auto-pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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:
I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX FI Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
What are you talking about I just got my ID from the XXXX it's brand new I even got the letter it came in this is so sad and crazy that this situation is even happening for a company as big as venmo if you looked and what I been through in the last month with you customer service agents from being hung up on ... talked to crazy and then you have the nerve to yell me I can't touch my money for 180 days when you company frozen my verified account I verified my account with you guys before the money was transferred into my account becau as e I needed it for a down-payment on a Aptana was assured everything would be fine and it's been nothing a nightmare ever since and then you make me take pics of my new ID and of me holding it and after tell me 180 days and close my account why even take the pics why you guy are the frauder stelling my money and my info was told on the start of this ordeal that it Would take 6 days called over at Least 5 times and was told every time to be patient and wait another 3 days and the last I waited 7 days to see of you guys would even call me and nothing and when I called XXXX was promised a without? Have access to my account today and get an email after she requested pic of my ID 180 days that insane for a mistake done on you part you keep telling me your verifying but the funny thing my account was verified already. Before you froze it like on the app of told me I was all set you verified you customer service agent assured before the person sent the money there that I was fine and then send the money there and do a couple transfer and you freeze My account and then put me through he'll for s whole month is insane you do this to XXXX people I have seen the reviews but you know what My accountbwas varies already this a mistake was done on your part but what do you expect from a company who can't even organize there own emails I have gotten emails being called names that were not mine from your venmo mangers and in the body of the email there name is not even right you guys can't even send a simple email how do you have the responsibility of holding and transferring peolem money I just still can't believe this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They sent me an email saying that they had to close my accounts on the grounds that their research flagged my behavior as being suspicious. Technically, that constitutes a violation of what it says in the Constitution, because in the Constitution, a person is innocent until proven guilty and also in the Constitution, a complaint for more than {$20.00} in damages has a Constitution right to a trial by jury. They are essentially harassing me for the sake of my First Amendment beliefs and have portrayed me in a false light as some type of mischievous shady character who wants to do bad things to other people in order to protect their policies on the overdrafts and associated costs of banking.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. I c alled XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2021-02-19
Company: CURO Intermediate Holdings
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: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX, AD ASTRA RECOVERY SERVIC ( Opened XXXX. XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 explanation