BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX of 2020 I requested forbearance due to covid-19 as my tenant was let go from their job and the hotel that I work for, closed. When I requested to restart my mortgage payments, Flagstar told me to submit a loss mitigation application. Which I did in its entirety. They never called me simply sent me notice saying that my application was incomplete but didnt say what was missing. I called and no one could tell me what was missing. I asked repeatedly what exactly they were looking for and they simply stated to resubmit the same documents again. So I did. Still, no phone call or update. I then call and request to speak to a new person since the person assigned wasnt helpful. The individual I got, was friendly and again she told me they closed my application due to it being incomplete but said she herself said she didnt know how it was incomplete because she could see all the documents uploaded and to resubmit everything AGAIN. So I do. She tells me she will call me every week with an update. I never received a call. I got an automated call from flagstar but no voicemail so I call back and Im told my assigned person is busy and I can request a call back. So I do. Twice. Only to be called back by someone who didnt even know why they were calling me. I explain I applied for repayment options from my forbearance and completed the loss mitigation application and she simply states let me look ... oh yeah its been denied when I ask why? She couldnt explain it to me and just said I can appeal but no options are available to me. I never received a call, a letter, anything. And she said this was decided on the XXXX and its the XXXX ... I only have 14 days to appeal and I havent even received the appeal forms in the mail they said that I shouldve. I want to keep my home and I was under the impression HUD was helping people effected by Covid do so but this has been a disaster. Theyre not helpful and they dont want me to keep my home and its obvious. Not a call, no guidance, no options. Anything. Please help me keep my home and fine flagstar for scamming people out of keeping their homes.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
Despite numerous attempts to dispute fraudulent accounts, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, they continue to remain on my credit report. Regarding the XXXX XXXX XXXX account, I have provided substantial evidence that the vehicle claimed to have a lien on by XXXX XXXX XXXX was legitimately sold to XXXX. Enclosed with this letter, you will find the necessary documents and proof of the sale. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), it is incumbent upon credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report, and I have exercised my rights by disputing this account on multiple occasions. Furthermore, I have also filed a report with the Federal Trade Commission ( FTC ) concerning the XXXX XXXX XXXX account. The FTC Act, Section 603 ( f ), clearly outlines the responsibilities of credit reporting agencies to ensure the accuracy and validity of information on consumers ' credit reports. However, the presence of unauthorized inquiries on my credit report raises significant concerns about Experian 's adherence to these legal obligations. Given the gravity of this situation, I demand that Experian takes immediate action to rectify these fraudulent accounts and unauthorized inquiries from my credit report. Failure to comply with my request within a reasonable timeframe will leave me no choice but to seek legal action against Experian for its non-compliance with federal laws and the adverse impact on my credit. The continued inclusion of these fraudulent accounts and unauthorized inquiries on my credit report has caused me undue stress, financial loss, and has jeopardized my ability to secure loans or credit on fair terms. I expect Experian to promptly remove the inaccurate information, and provide me with a written statement confirming the corrections made to my credit report. 

Please see the attached documents that I've already sent to Experian which they've ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - 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 2023-08-18
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is ZIONS DEBT HOLDINGS. The original creditor was XXXXXX/XX/XXXX 

( they spelled XXXX wrong ) Amount XXXX, they didnt give me any contract or documents to verify the debt. I never signed any contract or agree to a service fee. I had two phone calls requesting info but never received it. I recieve a text XX/XX/XXXX, I called them requesting the forms, didnt receive anything. I got a second message XX/XX/XXXX, I called to again request the forms documenting and verifying the debt, but no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Account status incorrect

Complaint:
XXXX formerly XXXX XXXX {$0.00} Paid off Status reporting 30-59 days late This information is incorrect. Was never late on this loan. Is stating that I was late in XXXX but car was 85 % paid off by then and payment was never late Please correct

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 2019-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX by XXXX as it states on the credit report. The date we filed Bankruptcy was XXXX and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after XXXX XXXX XXXX sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX and XXXXXXXX XXXX  capital charged me back twice for singular credits. They have a long history of such acts and I want the FDIC to force them to stop bullying me and threatening my good credit rating with fraudulent debits. I refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: MA
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
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:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 have an account on my report that was closed XX/XX/2022 however its showing open on my XXXX report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXX XXXX  {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Arcon Credit Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from Arcon Credit Solutions Reference # XXXX in care of XXXX XXXX XXXX XXXX. As per letter received give the option to dispute the matter by XX/XX/2023. 

I disputed the matter as according to the letter received before XXXX XXXX via USPS Express Mail and also emailed Arcon Credit Solutions at I disputed the amount claimed, requesting proof of all transactions, requested all signed documents with my signature from the previous creditor, requested the original creditor and address of the creditor in which XXXX XXXX XXXX purchased said account. 

However, Aaron Credit Solutions seemingly refuse to provide me proof of any kind. The reps. are calling my home, my cell phone being rude and harassing me. 

I followed their procedure as according to the letter sent by Arcon Credit Solutions before XX/XX/2023. That has not stop this company from harassing me and any family member that picks up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: DISCOVER BANK
State: CA
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:
I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. 

I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$7700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: MA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
1. XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

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 2021-11-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Synchrony Bank XXXX has not corrected a payment that we made on our account that we provided proof of payment from our bank for per their request.

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