BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Upstart Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXXXXXX XXXX is herrassing me. I told to stop calling and I am contacting an attorney. They continue to herrass me with calls that I keep blocking and letters. They opened an account on my credit report without my knowledge or permission. I feel they are stealing my identity as I am already a victim of identity theft in the past. I was not aware they were allowed to open an account under my name without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions 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:
So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 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 2022-09-19
Company: Experian Information Solutions Inc.
State: PA
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 am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. 
VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I've contacted XXXX  numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
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 have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.

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 2023-10-21
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I recieved a statement from My Mortgage Company Roundpoint mortgage that shows my monthly payment was increased from {$1100.00} to {$1600.00}. I called them to explain why my mortgage is increased, and they said was added extra Insurance in my account as an escrow. I have already PMI and homeowners insurance and I refused to add extra Insurance. I called them more than one time to remove it from my account because Im NOT agree and I dont want it, I didnt give them a permission to add an extra Insurance in my account and Im unable to pay more than my original mortgage, but stil they didnt remove it, so I took out the autopay to clarify this situation because Im not supposed to pay an extra insurance if Im not agreed.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX has refused not once..not twice but 5 times to update the amount owed on my credit report..Experian has contacted them 5 times I called them they still refuse to update my credit report... two months now. Needless to say once paid off I WILL NEVER USE THEM AGAIN

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 reporter the identity fraud to the XXXX police on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.

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 2023-05-17
Company: Nelnet, Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Account Name : US DEPT. OF EDUCATIONXXXX Account Number : XXXX Balance : {$16000.00} RE : Requesting a Method of Verification Letter To whom it may concern : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

This debt has been transferred several times to the best of my knowledge. The accuracy concerns me due to no reflection of payments made by a third party on my behalf. I was enrolled into a loan forgiveness program that temporally had access to my federal student loan account and made several payments that I initiated. Subsequently, none of those payments are displayed in the payment history for this account. This is deemed fraudulent and unverifiable. This creditor has also failed to list the original creditor on my personal credit report. This is viewed as harassment due to their inability to report accurate information. Under this premise, I strongly demand deletion of this fraudulent account. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

This letter is not written in order to request an investigation, that has already occurred, yet didn't solve this fraud issue. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: SYNCHRONY FINANCIAL
State: CO
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:
Disputed charge on XX/XX/22 in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item. 

The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. 

A large amount of evidence including a returned package tracking number was provided on multiple occasions.

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 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One-Business Card- XXXX XXXX XXXX XXXX On or about XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XXXX XXXX listed on my credit report. 
I notified Capital One in XXXX XXXX XXXX XXXX all through XXXX of XXXX them to verify these alleged late payments and that they are inaccurate-they sent me notification back as verified. I looked at my credit report once more, and still these late payments are listed and reporting on my experian credit report. 
Please see below what is on my credit report CAPITAL ONE ( Capital One Spark Cash Select for Business ) 5 LATE PAYMENTS Credit usage 60 % Balance {$600.00} Balance updated XX/XX/XXXX Credit limit {$1000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

I have spoken to supervisors, at Capital One sent notarized letters to CapOne still no results, they have infringed on my rights for far to long, Cap One has a new card for me, ,because my old one expired yet refuse to send it as retaliation for me speaking up for my right. - This is against the law for them to report inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
In accordance with the fair credit Reporting act, Experian has violated my rights. 

15 USD 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section, also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI 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 2023-07-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to resolve and dispute this issue with Midland Credit Management numerous times via the various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 

I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MI
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:
n 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.

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 2023-05-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX Bank ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I am trying to link my bank card to the app XXXX XXXX and it is not letting me I would like to have fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: ACIMA CREDIT, LLC
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ACIMA DIGITAL FKA SIMP lease with account # XXXX and a balance of {$3100.00}. 

This account is a charge off account and is no longer active on the creditor books, ACIMA DIGITAL FKA SIMP lease is reporting a active balance to the credit bureau and decline my request for a 1099-C form, creating damages to me an my family credibility intentionally the IRS laws stated that charged off account should be reported as GROSS INCOME, ACIMA DIGITAL FKA SIMP lease is reporting incorrect information to the consumer reporting agencies which is a volition of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank is misapplying payments and not honoring promotional purchases that have deferred or no interest. Synchrony Bank is charging late fees even when the payment is received before the due date. The screen shot below shows a XXXX XXXX applied XX/XX/XXXX, which is the payment due date. The screen show also shows the payment of {$250.00} was received XX/XX/XXXX, which is 6 days before the due date. 

Synchrony Bank shows incorrect minimum payment amounts on their statements regarding the minimum payment to avoid interest. I have screen shots and statements that show the incorrect calculations and misapplied payments. These statements are not being included due to containing personal 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.

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 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Bank of America around XX/XX/XXXX-XX/XX/XXXX joint with my mom. I opened it while I was in high school. I had approximately 2,800 in the account when the account was overdrawn by {$1000.00} and my account stated that I had written a check with insufficient funds even though a banker specifically told us that the money was taken from my account to pay for a loan that was fraudulently taken in my mother 's name.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 called the XXXX Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.

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