BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Truemper, Titiner & brouch Ltd
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Truemper titner & brouch ltd attempted to collect a debt by harassing and intimidating us. When I told them my husband wasnt home and tried to close the door, they ripped it open and threw the paper at me, breaking our door handle. I was genuinely terrified as a woman home alone being attacked by a grown man. I almost called the police. They sat outside of our house for hours and came over 5 times. They never served my husband papers but had court and had a lien placed on our account, withdrawing the entire balance with absolutely no notification or notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
In the past, the account Im disputing went from one debt collector to the next which led me to believe they were just selling my information between colleagues or something or the sort. XXXX XXXX credit was paid in full many many many years ago and the account was closed. I never touched it again. I was about XXXX and since then havent touched a credit card since. Im a XXXX and primary rely on just cash. Pay my rent in cash/ money order and have a prepaid debit card to pump gas and other little things or my mother usually books more important stuff like flights and hotel rooms on her own credit card. This item thats being reported on all 3 bureaus is incorrect and am tired of it just sitting there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 interested in processing disputes to delete an remove all inaccurate information that is hindering my file with experian. this has been a issue that ive addressed an seen no update or results. alot of items are invalid an not accurate on all 3 credit files. please review an remove the listed items to correct my report asap of the items in question asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22
Company: SYNCHRONY FINANCIAL
State: CT
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:
There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is XXXX XXXX. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is Synchrony Bank for Dicks Sporting Goods. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 - We approached Flagstar Bank, who is the lender of our existing mortgage, for a refinance. We were offered a competitive interest rate of 2.875 % with 0 points for a refinance. We completed the loan application and submitted the requested paperwork by XX/XX/2020. We were given an " estimate of completion ( i.e., loan approval ) '' date of XX/XX/2020, and an estimated closing date of XX/XX/2020. 

XX/XX/2020 - The lender contacted us requesting additional information ( e.g., copy of driver 's license, homeowner 's insurance declaration page ). 

XX/XX/2020 - We received the Loan Estimate Statement. Instead of the 0 points we were told when we applied for the refinance, there was a charge for points of .341 %. We informed the lender that this was not the initial agreement. After being told by the lender we'd have to restart the loan process and pay off a 2nd trust deed to get 0 points, we agreed to accept .341 % points in order to close on schedule. 

XXXX XXXX -We were given a list consisting of 12 additional items needed for loan approval. Those items were provided to the lender in a timely manner ( i.e., within 24 hours ). Since that time there has been no attempt to contact us or respond to our request for an update on the loan status. 

The loan did not close on XX/XX/2020. 

XX/XX/2020 - After not hearing from the lender we, again, requested an update from the lender about the loan status, and the anticipated date for closing escrow. 

XX/XX/2020 - Still, no response from Flagstar Bank. Our rate lock will expire on XX/XX/2020 This is speculation, and feel free to remove this statement if it's deemed inappropriate, but we're wondering if they overpromised on the interest rate and are letting this drag out until the interest rate either drops or the lock expires.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY 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 2019-06-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I noticed the fraudulent account on my credit report on XX/XX/XXXX. It appeared on my credit report on XX/XX/XXXX via the Experian Credit Bureau. It stated that my account was 90 days passed due, that I owed {$3500.00}, and that the account was opened on XX/XX/XXXX. I called the number on the credit report and it lead me to XXXX, an Institution that I never heard of, they had no record of me based on my Social Security Number and my name. I have restoration services from MyIDCare and they verified that I had no account with XXXX ( XXXX XXXX XXXX XXXX XXXX ). They started a dispute on my behalf. I then received the results from Experian on XX/XX/XXXX stating that the information was accurate. I called my restoration team but have not been helped from then since. I called XXXX again and they told me once again that they had no record of me. They said that the company XXXX ( XXXX XXXX XXXX ) handled their accounts. I called them and they also have no record of my SSN. I called XXXX once again and was told that the account was from XXXX. I called XXXX and they have no record of my SSN. They did not want to give me more information on the account. I also noticed that Experian had a different Social Security Number that according to them was a " variation '' of my Social Security Number that they associate with my account. The SSN variation they have is completely inaccurate and is not even close to mine. When I attempt to call Experian I get put on hold for 10 minutes and then they hang up. This is not my account and Experian is the only credit bureau that seem to know of this account. XXXX and XXXX don't have it. I suspect this to be a mistake from Experian. I have no documents to upload because none of the companies that Experian states as accurate information have any record of me.

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 2023-07-21
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I currently have an open account with XXXX XXXX. This account has been active since XXXX. I was overcharge for the car I had which was a XXXX XXXX XXXX. After reviewing my contract my interest rate was extremely high. There were junk fees added to my account. The car value ended up being XXXX. I tried multiple times to return the vehicle but was left stuck with it. My car was involved in an accident by another driver. My insurance company paid the car off and I had gap insurance. For whatever reason XXXX XXXX said they never received any documentation proving that. I sent the documents XXXX and as of today no one can seem to find it ( Scammers ). Ive noticed that this has happened to multiple XXXX. My account was placed in collections and turned over to their attorney. I settled in full on XX/XX/XXXX and have yet to receive the proper documents from CREDIT ACCEPTANCE. The attorney sent me a receipt, and also documentation of the closed account. Ive called XXXX XXXX XXXX trying to get what I need to close the account on their end. Its always a different answer each time I call. My credit shows a lower balance, but it doesnt reflect settled in full. Its showing derogatory marks although Ive disputed everything with XXXX, XXXX, & XXXX based off the inaccurate information. This company need to be investigated for ripping people off, adding junk fees, hidden fast, and high interest rates to consumers with low credit scores. Each rep I speak with are extremely rude and dont want to be on the phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
Had my wage garnishment for midland financial. Last payment was in XX/XX/2021. Credit bureau and midland.. wont take off the amount and label it was paid.. I also have the receipt. Credit bureau website will not let me load it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Company is Chrysler Capital LLC. Auto loan taken out for new XXXX  XX/XX/XXXX, not being reported to any credit reports. Here we are XXXX yr later, still not on my reports. Have contacted Chrysler Capital executives and been lied to multiple times. The XXXX time being XX/XX/XXXX, it's currently the end of XX/XX/XXXX. They promise me each time I call, that the info is being reported but it's not. It never is. They give me audit numbers and everything but it NEVER appears on any of my credit reports and it's sad because my scores would be so much higher if this were accurate. I can not obtain a loan or mortgage with ethical rated because my credit score is too low, despite the fact that I've been keeping a mortgage worthy high interest payment under and in time for years without issue... so sad. Bankruptcy was filed and discharged ( NOT RELATED TO XXXX! ) XXXX or XXXX of XXXX. XXXX was purchased months AFTER discharge, so why is Chrysler suppressing my act info?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, XXXX and TransUnion Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
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 have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX  file date of XX/XX/XXXX to experian, XXXX, and XXXX about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.

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 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX incorrectly reported a 30 day late on my credit report due to technical error on their tech side. After documents and several dispute processes, all reporting agencies except Transunion have removed inaccurate reporting. I attempted to contact Transunion on multiple occasions only to hear every single time they are experiencing extremely high call volume. After a long wait,,,,, their call center is in XXXX with people that I can not understand! I opted to take part in a brief survey, big joke. No real survey. Survey company never contacted me. This horrible company is controlling my interest rates and loan approvals???? REALLY!!! NO!!! This must stop!

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 2018-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an Experian consumer report. It has not responded. 

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report. 

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.

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 2020-03-22
Company: Experian Information Solutions Inc.
State: DC
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:
XXXXl XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via 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
Consumer complaint received 2019-08-02
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Recovery continues to furnish information on credit file. The medical bills are a HIPPA violation. Many employers and colleges declined me due to issues with my health. This is belittling. I'm requesting information removed from credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a renewal of my income based repayment for my federal loans. For the last number of years I have made the same payment of about {$770.00} for my consolidated federal loans. This was full repayment mode. I received income based repayment for XX/XX/2018 for $ XXXX  monthly. Now that my plan has expired my payments went up to {$1600.00}. I don't understand why it would double ... Ive never paid that amount. I was on full payment plan, not graduated payments I do not understand why the payment would be so much. 
When I called to ask, I could not get an answer. I did the application and I still need to provide another document for my application. 
But why would my payment double?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: AL
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:
called the creditor and XXXX XXXX no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Experian XXXX fraudulent XXXX accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX  XXXX  XXXX  XXXX  account number XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief