BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have these companies ; XXXX XXXX XXXX XXXX XXXX Security Credit Services LLC XXXX  XXXX PC They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. XXXX XXXX XXXXXXXX XXXX XXXX sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. 

I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. 
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$7.00} 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The following inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquired on XX/XX/XXXX and XXXX XXXX Inquired on XX/XX/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 2021-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just sent the following message to my mortgage servicing company. I'm XXXX and I believe my lender is gouging me. 

" To : XXXX Subject : Loan # : XXXX Subject : SPS Proposed Loan Modification Dear Ombudsman, I am in receipt of SPS proposed loan modification to cover the forbearance amount of approximately {$30000.00} including property taxes and insurance advances. I'm bit bewildered as, on the phone back in XXXX of 2020 when I agreed to the forbearance, while I was told that when the forbearance came to the end, the forbearance amount ( {$30000.00}, including property taxes and insurance ), would be put on the end of my loan, BUT I was not told that {$150000.00} ( See page 1 of the Modification Agreement, Lat paragraph entitled BALLOON NOTICE }, in other charges would get added on as a second ( 2nd ) balloon payment! That amount of additional money seems outrageous to do to a senior citizen! Had I known that was going to happen I would have risked covid and tried to find a new job, anywhere, so I wouldnt have had to agree to the forbearance! Is this the best plan you can offer me? 

XXXX XXXX Please let me know if this is what Congress had in mind when they created the Covid 19 Relief plans? 

Thank you for your time. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Tower Loan of Mississippi, Inc.
State: MS
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 look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/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 2021-04-06
Company: SYNCHRONY FINANCIAL
State: DC
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:
This is a follow-up to a complaint made on XX/XX/XXXX concerning PayPal Credit, XXXX XXXX, XXXX XXXX XXXX, XXXX, and Synchrony Bank. I provided documents showing that I had a credit account with PayPal Credit and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. Synchrony Bank wrote to advise me on XX/XX/XXXX, that it would become the owner of my PayPal Credit account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my PayPal Credit account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. Synchrony Bank did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. Synchrony Bank responded to my complaint by providing information to my PayPal Credit account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the PayPal Credit account would be funded by them, instead of XXXX Bank, as of XX/XX/XXXX. XXXX XXXX XXXX claim to have bought the XXXX account, but Synchrony Bank claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX 's explanation is woefully inadequate and needs further investigation.

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 2023-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several letters to Transunion XXXX and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the 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 2022-10-10
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX ( Original Creditor:XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance OwedXXXX XXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/2021 CAPITAL ONE BANK USA NA XX/XX/2021 CAPITAL ONE BANK USA NA  XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/25 i mailed transunion a request in regards to my credit having things that were causing me issues in my home buying process. They have ignored my request which i know as a consumer they are required to process

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 2022-09-28
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXBalance : {$2100.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: National Credit Adjusters, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a prior complaint with NATIONAL CREDIT ADJUST inaccurately on my report. I request proof of a signed agreement or any other documentation to validate the information being reported was indeed mine. Attached is a copy of a said signature which is clearly not mine.. that appears to say XXXX or something of that sort. Along with consumer name being XXXX XXXX which is as well not me. This will be my finally warning that if it can not be validated properly, in addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint. If I need to contact an attorney for further legal actions I will do so if not removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions 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:
I am writing to express my profound frustration and dissatisfaction with the unresolved fraudulent accounts that continue to plague my credit report. Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. The time for resolution is long overdue, and I insist that your bureau takes immediate action.

Company response to consumer: In progress
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card that I have not applied or requested for from Capital One. It came by mail on XX/XX/XXXX. 

I called Capital One the following day ( XX/XX/XXXX ) and talked to three different representatives who were all very helpful, and I requested that my account be deleted. The last person I talked to, identified herself as an account manager, assured me that my account has by then been deleted and that there will be an investigation as to how a request for a credit card came to be. She also informed me, after I asked, that the processing of the new card was initiated on XX/XX/XXXX. She gave me a timeline of 60 to 90 days for them to figure out what happened.

However what bothered me was that they had all my personal information. As the call progressed, I was asked to verify my identity by giving my name, social security number ( last 4 digits ), my date of birth and of course my address. 

I am very sure I did not apply for this card. I don't remember If I ever had any account with Capital One. Identity theft is a possibility, but as of this point I have not encountered any other issue with my finances other than this. I also as a precaution review and restrict information sharing ( as much as I can ) with other financial entities I deal with.

I obtained two credit reports from the two of the three biggest credit reporting agencies which showed " soft inquiry '' from Capital One on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Auto Trakk, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im in The process of buying my first home. My loan officer contacted me stating that I have a late payment within the 12 month period ( which disqualified me from being approved ). She stated that the late payment was from AutoTrakk and listed on the XX/XX/XXXX. I reached out to autotrakk on XX/XX/XXXX and asked if they could remove the late payment since we did not set up a payment arrangement and my account status is closed. They said they will look into it the issue. Also I requested a letter stating that the late payment that is on my credit report from XX/XX/XXXX is incorrect. They did write a letter however the letter did not mention the late payment. I called AutoTrakk back after receiving the letter and they asked me why did I need this removed so urgently and I told them. The person stated that if I could purchase a home then I could set up some type of payment arrangement to pay AutoTrakk back. I explain to them that as of now I did not have the funds to do that and all I need from them was to remove the late payment that was from XX/XX/XXXX. The person responded by saying that they could not do anything else to help me if I was not willing to set up a payment arrangement. Also they said verbatim Once that information is sent over to the credit bureaus, we have no knowledge of how they will interpret that information. It is all based off their own internal proprietary matrix that we do not have access to. I have the emails to support my issue. I did dispute this issue with XXXX  however they sent me a letter last week with contents from AutoTrakk inside of the letter. It had a fake ledger with a payment arrangement set up. I did not set up a payment arrangement. The last time that I spoke to someone at AutoTrakk prior to this issue was XX/XX/XXXX. The information on my credit report is completely false. The late payment from XX/XX/XXXX is completely false. Enclosed below I have uploaded the original emails from myself, my loan officer and the AutoTrakk representative. Also the letter that I requested from AutoTrakk, that did not include the late payment from XX/XX/XXXX. Due to false information on my credit report, it has held me back from having a stable home for my child and myself. I would like this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: GOLDMAN SACHS BANK USA
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am being forced to switch my XXXX card from XXXX XXXX to Marcus Goldman Sachs.

I am not able to pay my bill because the Marcus app and website does not work. I am not able to even create an account to access anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am the authorized decision maker on my mothers citi diamond card she verified and wrote my name down as a authorized decision maker lady i talked to over phone spoke with my mom after the account has been activated and approved for use, when i wanted to use the card she told me i could not until i gave her a different card number where my mother was the primary account holder she then made me at point of the account will not be used give her the XXXX  credit card number and security code, she said she was doing her job and then then said i will call XXXX  then we spoke and the card was ready for use

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 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.

Company response to consumer: In progress