BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.

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 2023-01-11
Company: Javitch, Block & Rathbone LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXXXXXX XXXX XXXX is saying they went to court which I knew nothing about a court date. Their saying I owe almost {$4000.00} that one I don't even remember getting a loan from XXXX XXXX XXXX  for {$4000.00}. Their saying that there will be tax consequences this year to look up tax consequences online if I dont know what they are. It's crazy that they went to court against me and I didn't get a summons to court to stand up for myself. Im not sure but I dont think that's legal.

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 2023-04-08
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:
On XX/XX/2023, I sent letters to XXXX, XXXX, and Experian to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.

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 2021-01-15
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I applied for a credit card and found out that there is a trade line on my credit report for NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX. This is not my account. I have never had an apartment with XXXX XXXX. I reached out to the creditor and the collection company. I found out that not only do they have incorrect information, they also have the wrong SSN # on the signed contract. I have sent them over a copy of my correct SSN, a copy of the police report, a copy of my lease of the place I was living at the time of this crime, a copy of my ID and multiple letters advising them that this is not my account and I am a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2018-10-15
Company: EQUIFAX, INC.
State: LA
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 decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} LateClose XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
For the past year I have had charges on my Capital One Visa card from XXXX. I have disputed the charge every month. At one point a customer service rep with Capital One tried to block the fraudulent charges from XXXX, but every time I am issued a new card number ( due to the fraud claim ), XXXX is able is able to pull the same {$44.00} via the Visa card agreement. Capital One said they have no way to stop this because my card number automatically changes with every fraud dispute, and there's no charge to block until another charge happens. The agreement that Visa and merchants have is robbery. How are they even allowed to continuously charge people who never entered into a contractual agreement even after filing multiple disputes. How do we stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This was my complaint

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 2018-04-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint about XXXX cobranded credit card issued by XXXX XXXX. The payment is due by XXXX XXXX EST on the due date and there is no way to pay before XXXX and NOT incur a late fee. General practices for financial institutions is to effective date payments received after the cutoff time to the benefit of the customer. But this bank does not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.

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 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Over four years now I have received my mortgage payment over {$510.00}. When I call Bank of America questioning the " Other Advances '' fees of ( {$30.00} - {$35.00} ). Never receive a direct answer, UNTIL... XXXX XXXX XXXX assisted me with my mortgage. I then was told my mortgage is only {$490.00}, however they stated that the additional " Other Advance '' fee was because an XXXXnspector came to inspect my property in XXXX and XXXX of 2022. Keep in mind that there was no one who Inspected my property. Thus {$30.00} is for XXXX and another {$30.00} is for XXXX, and it was a XXXX time fee. However, those fees have been on my statement for over four years! 

Again, when the government assistance program paid my mortgage there was no ( {$30.00} - {$35.00} ), for three months! Once the program ended, the {$30.00} fees returned.

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 2023-07-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was lead here to file a complaint against Caliber home loans. I was approved for {$45000.00} to assist during the pandemic for the XXXXXXXX XXXX  Caliber agent advised me to do a loan modification so that I wouldnt loose my property. They said that even though I was approved for XXXX that all checks were back logged. They stated that even if my account becomes current that they would still apply the {$45000.00} to the principal and that they would not send the check back. Well turns out they lied to me. The check was received in XXXXXXXX XXXX XXXX and XXXX sent it back. They told me I would have to contact the state in order for them to change the instructions in the letter to specifically read, Funds must be applied to principal due to our account being current after the loan modification. You can only get approval once in your lifetime. We were approved but XXXX is refusing to help us during a time we need it most. They refused to give us the necessary number to the state in order to request the letter be changed. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: DC
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:
Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 2023-04-18
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a borrow and save account with Seedfi last year where they loan me {$1000.00} and put {$2000.00} in savings for me for a total loan amount of {$3000.00}. And after making all of my payments on time for six months via automatic bank drafts, a company called XXXX suddenly drafted the next payment from my account WITHOUT MY AUTHORIZATION! They also claimed that I still owed {$2500.00} after I already paid {$1100.00} to SEEDfi. I disagree with this amount and the rate of interest which is much greater than advertised. I told them that they can take out the {$2000.00} they supposedly put into savings for me, but 'Oh No that's impossible ' they say. They can not change the contract they say, when in fact they already did. I DID NOT sign any contract with SST or one that mentions SST anywhere in the contract. After reading all of the other complaints about SEEDfi, I am certain that they are a scam company and I will not deal with them anymore. Meanwhile SEEDfi is destroying my credit now. It has dropped XXXX points in one month because they are reporting that I still owe {$2500.00}. I hope that there will be a class action lawsuit against these scammers. Please count me in any class action against Seedfi and XXXX. And please notify all complainants here about any class action lawsuits against these scam companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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: Old information reappears or never goes away

Complaint:
I have a student loan on my Experian credit report from the XXXX XXXX XXXX XXXX According to the report the loan began XX/XX/XXXX and was for a term of 36months. Im not 100 % clear on what type of student loan it is.. I know there is one type that seemly never falls off your credit report, but regardless of which kind it is ... 

If the loan began on XX/XX/XXXX then 36 months later would be XX/XX/XXXX and then +180 days would be XX/XX/XXXX. 

According to my Experian credit report the date of first delinquency seems to be XX/XX/XXXX. I think the date of delinquency is wrong. 

Im not familiar like I said with the loan, but no payment has ever been made on it so it is very likely the date of delinquency is perhaps even earlier than XX/XX/XXXX. 

If this is one of the loans that does fall off I think that it should have already and if it isn't I don't believe the date of delinquency is accurate.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife is a XXXX XXXX, so she booked an XXXX XXXX, then they agency canceled the contract, so my wife never checked in to the room. 
Now the company does not want refund the funds, when they agreed not to charge our card until we checked in. Capital in not on our side with dispute. {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
discover Bank account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-04-08
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: Investigation took more than 30 days

Complaint:
I checked my credit report and noticed several inaccurate items. I have made several attempts to dispute these matters with Experian. Each time I send a dispute in I provide a copy of my drivers license and utility bill. They have sent back a letter stating they don't believe it is me disputing the discrepancies. My first attempt has been over 30 days with no response and my second attempt I got another letter from them stating they are not going to investigate the issues. I am requesting these inaccurate items be deleted from my credit report. ( see attached letters )

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.

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 2019-07-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit calls numerous times each day doesn't leave message using 904 prefix phone numbers and phony names of persons.using neighbor spoofing to tactics including XXXX XXXX on caller ID when calling.

Company response to consumer: Closed with non-monetary relief