BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NC
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 am submitting this because these 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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 2021-10-12
Company: Experian Information Solutions 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:
Experian is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.

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 2023-01-14
Company: EQUIFAX, INC.
State: IL
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:
An original letter was sent on XX/XX/2022, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a collection notice from Midland Credit In XXXX, and sent a Validation/Dispute letter In regards to said debt via certified mail within the 30 day window. I have had no answer to my request, but they have resumed calling me. This Is a clear violation on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both XXXX credit agency as well as Bank of America. Neither of them can fix the issue and I have no further options. The issue is that XXXX is showing a hard inquiry on my credit report and they are showing that Bank of America are the ones that pulled my credit report. I have never had any business or accounts with them. I called XXXX to get it removed and they told me I had to go through Bank of America. So I call Bank of America to get to the bottom of this and Bank of America can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To Bank of America. I told them I needed them to contact XXXX for me and have inquiry removed from my report. Bank of America would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call XXXX back and tell them Bank of America has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from Bank of America saying that they didnt pull my credit report and that it is a mistake. And Bank of America cant send that document to XXXX because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither XXXX or Bank of America can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both XXXX and Bank of America on the telephone on todays date 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 explanation
Consumer complaint received 2021-10-12
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I purchased a property at XXXX XXXX XXXX XXXX, IL. XXXX. The lending company was Guaranteed Rate. In XXXX of XXXX I began the process of refinancing my mortgage with another lender. It was at this time that I learned there was a deliquent tax bill for this propery that was due. The property has two parcel numbers. Somehow the lender ( Guaranteed Rate ) didn't pay the tax bill on one of the parcels and there are now deliquent taxes for XXXX, XXXX. I have the warranty deed from the closing that clearly shows 2 parcels which I had to forward to Guaranteed Rate upon their request. I've been working with Guaranteed Rate since XX/XX/XXXX to get this rectified and this is hendering my ability lock in an interest rate with another lender. Also whatever penalties are associated with the deliquent taxes should not be my responsibility nor should my escrow account be penalized due to their over site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One had a billing error on my account. The billing error resulted in a late payment. Please remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 I received a notification from Experian that XXXX XXXX XXXX made a hard inquiry on my credit report. I Did not apply for credit, I did not authorize this inquiry nor do I have any reason for any company to be accessing my report. After some research online to try to find out who this company is, it seems they are a scam company and no proof found anywhere that a real company by this name exists. Attempted to call # listed on inquiry and doesnt work. XXXX  address and no business there. There are multiple reports online and at the XXXX where other people state they have had the same thing happen to them and have received calls trying to obtain information and money from them. I contacted Experian to have it removed and they refused but did add a fraud alert and froze my credit. Oddly/coincidentally, this same day I received about 6 calls for a person whom I do not know and is not 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 explanation
Consumer complaint received 2021-10-12
Company: Novad Management Consulting LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to closed complaint : XXXX. 

I am a XXXX XXXX XXXX in Washington State trying to complete a short sale on an estate property. Novad did follow up and said they requested a rush appraisal with me as the point of contact. I have not received a call from an appraiser to schedule. 

To further this, I have sent emails to follow up. 

XX/XX/XXXX email requesting the appraisal due date XX/XX/XXXX call to the extension of the Loss Mitigation Supervisor. Extension rings with no voice mail. Emailed to follow up and to let them know that a son of the deceased is living in the home ( not paying rent ) has threatened to trash the house and cut down trees, even suggested cash for keys. I asked for their advice in order to protect the property. 

XX/XX/XXXX another call to the extension of the Loss Mitigation Supervisor. Again, extension rings for several minutes with no voicemail. I sent another follow-up email. This time the email is kicked back as the email address to the Loss Mitigation Supervisor and another staff member of Novad included on the email chain is not found and is unable to receive mail. 

I am highly concerned that Novad is impossible to work with. Why offer the option of a short sale if Novad is not willing to go through the steps to complete the process? There are buyers who have put an offer on the home who are hoping to start a new, exciting chapter in their life. The lack of response is bound to exceed the contract offer terms. It seems Novad prefers homes to go into foreclosure. Such a waste of time, resources, and money. HUD needs to investigate this and find another provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Prosper Marketplace, Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Prior to XX/XX/2023, I contacted Prosper Credit Card about my financial situation, I was advised by the customer service representative that prosper does not have a program that will reduce interest rate or reduce payment even if it meant closing acct. I was taken a back a little because I have been able to do this with at least 4 of my credit card accounts with major banks. So, I accepted the response and it led to a payment being reported 30 days late to the credit bureaus very shortly after. I am a person that takes pride in paying responsibilities on time and this was a major overlook, however, Prosper didn't help make this situation any easier. I wasn't given any notification that I was falling into this status. Companies are aware how important credit scores are so if you have a customer that usually pays on time and then falls behind at least a courtesy call would be helpful. As soon as I was made aware of the missed payment, I paid it right away and brought the account current. I did reach out to the company for a goodwill adjustment to credit reporting and I was unfortunately declined. As a customer I am beyond furious as a consumer I feel unprotected because I did my due diligence, by making Proper aware of my financial situation and they had no compassion or remedy for me and that is scary when most companies have things in place. I am looking to severe ties with this company as soon as possible.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: PA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: In progress
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 writing to formally register a complaint regarding the fraudulent items on my credit report. I have made several attempts to resolve this matter through your customer service department without success. 
I first noticed these unauthorized charges and since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. Please assist me to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX a suspicious charge was made on my XXXX XXXX XXXX XXXX XXXX XXXX Master Card for {$1500.00} at the XXXX XXXX XXXX Store in XXXX XXXX Florida. I was contacted by Barclays Bank that services this card as to whether this was my purchase and replied no, I am on XXXX XXXX, NY where I live and this is not a valid charge and my card is in my possession. Barclays Bank suspended my account and then investigated the purchase and on XX/XX/XXXX sent me a letter claiming that this activity was valid and reinstated the {$1500.00} charge to my account. Since then I have made numerous phone calls disputing this with Barclays Bank an not getting any resolution. I have filed police reports and reached out to the XXXX store to get surveillance tapes but the police needs to request this. So I am at a loss and do not know what else to do.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2020, {$2100.00} was charged to my XXXX XXXX for XXXX   work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with XXXX XXXX but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my XXXX XXXX is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from XXXX XXXX ( XXXX XXXX ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?

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 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates acquired a credit card debt I owed to XXXX XXXX XXXX in the amount of {$2300.00}. I hired the services of XXXX XXXX XXXX to help me with my credit card debt. XXXX XXXX reached a settlement agreement with the XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/2019, who represented Portfolio Recovery Associates. The agreement required me to pay Portfolio Recovery Associates the amount of {$1600.00} to settle the debt by XX/XX/2019. XXXX XXXX XXXX, submitted the payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, as per the terms of the agreement. On XX/XX/2019, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued the XXXX Balance Letter after receipt of payment of the settled amount. Nevertheless, and despite the amount being settled and paid as agreed, Portfolio Recovery Associates has continued reporting to the credit bureaus that I have a pending balance of {$740.00}. I attempted to resolve the issue with Portfolio Recovery Associates over the phone and was told that I had to pay the remaining balance regardless of the settlement agreement. I have filed disputes with ALL 3 credit bureaus to no avail. This is now an issue because I am applying to practice law in the State of Florida and this inaccurate report on my credit is affecting my licensing process negatively. Furthermore, Portfolio Recovery Associates has misreported this debt for almost a year which has also affected my ability to secure credit for other purposes. Their predatory tactics and unscrupulous business practices make it impossible for clients like me to resolve their issues, and when attempting to discuss the issue with them, they are rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2018-12-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX  XXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.

Company response to consumer: Closed with explanation