BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00}

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 2023-07-15
Company: Experian Information Solutions Inc.
State: NH
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:
We applied and were approved for COVID forbearance. XXXX XXXX has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXX XXXX failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage is very delinquent. My husband got even further behind during my incarceration. I began incarceration on XX/XX/XXXX and just returned home on XX/XX/XXXX. I am now working two jobs and we will be able to comply with the mortgage payments going forward. The loan modification that my husband applied for while I was incarcerated was recently denied. I advised that my income was not included in the evaluation. I submitted an appeal and provided proof of income for both of my jobs. I seek to obtain a loan modification and not loose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this Medical collections debt that was owed as a pay to delete, but my credit report is still showing the account is still collection/charge off instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Rocket Mortgage put home into forclosure.. I reqested a reinstatment quote to bring mortgage up to date. I received quote on XXXX the amount due was {$7100.00} by XXXX XXXX XXXX  I paid the {$7100.00} via debit card over the phone. I was told that I was current and loan was no longer in forclosure... call was recorded. I called to make my payment on XXXX  and was told my home has an auction date for XXXX XXXX. I was told that the amount was not enough and that rocket mortgage reached out on XX/XX/XXXX via voicemail. This was 2 days after current reinstatement quote expired which i paid. Rocket Mortgage could not have taken the {$7100.00} payment without a current reinstatement quote. I took money from my retirement to bring everything current, after telling me they accepted my payment they reached out to tell me i owed more after the reinstatement quote expired. I am going to lose my house and be homeless. I did everything they asked and was told my account was in good standing. now im waiting on another reinstatement quote with fees I wont be able to afford. This is very unfair and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX  XXXX ; XXXX   XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm asking for your help with the dispute of two same fraud collections I have on my credit report. Recently I got a letter from XXXX XXXX XXXX that I have a collection amount of {$890.00} which the original owner from XXXX XXXX XXXX - Equipment. I research online when I got this letter that many people got the same amount, so I thought this is a fraud. A few weeks ago, I got a letter to ignore this and the last time I have a business was in XX/XX/XXXX, which I use my XXXX tax id to open the credit card processing. Since I thought this was all clear/mistake, so I throw away that letter. On the day of XXXX, I got an email alert from Experian that I have 2 collections from the XXXX XXXX XXXX. I contacted Experian on XX/XX/XXXX, which I have to wait for an hour before I can put a dispute. When spoken to them, it seems they don't take down any note from my explanation to do their investigation. I try to tell them there is no way I have the same 2 collections at the same time. On XX/XX/XXXX, I got an email said the dispute investigation is complete. I try to get online to read the report, but couldn't find any detail. I would expect they would take time to investigate this matter since they use my personal information for their monetary benefit. 
I have contacted the third party that sold me the service, and they said all of my accounts are clear. I have to contact Experian again to see what happen, but I don't have time to be waiting on hold for an hour. I'm a XXXX veteran and I don't have this kind of energy to with hours of my time to fix an error that is not my end.

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 2023-07-15
Company: Experian Information Solutions Inc.
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:
When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical

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 2023-01-25
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: Account status incorrect

Complaint:
I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full 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 2023-03-22
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX On XX/XX/2023, I opened a checking account with Truist which had a promotional bonus of {$300.00}. The term on the advertisement was that I needed to have a direct deposit total of XXXX XXXX/month. 
I satisfied the term. 
However, I was denied the bonus. 
On XX/XX/2023, I reached out to Truist customer service and was told that I needed to wait after the Q3 promotion ending date on XX/XX/2023. 
After which, their bank would do a review of my account. 
On XX/XX/2023, I reached out again to Truist online customer service since I still havent received my bonus. They told me to continue to wait Oh XX/XX/2023, I went to a Truist branch. The banker helped me talk to the promotion customer service, which they now informed I would not receive the bonus.

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 2023-01-03
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
l am who I am the natural person and consumer and applicant in fact. I have applied on numerous occasions to get credit cards from this institution to use for personal, family and household purposes. I have been violated, disrespected and denied numerous times for various cards when in fact I am the original creditor and I tendered a negotiable instrument and I extended the credit pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This institution has committed federal violations under the equal credit opportunity act, and the fair debt collection practice act. This company also blocked my account to prevent me from using my card and failed to make it open ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection company bought incorrect debt. DEPOSIT was NOT applied towards balance. I have been denied housing which viloates the FCRA. 

GENESIS CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent Nelnet a letter asking for a debt validation/verification concerning the account they claim is mine, asking for the amount I owe, fees, and the original party making the claim. I sent this letter on XX/XX/2023 and haven't heard back and they're still contacting me trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MD
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.

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 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX My son asked me to cosign on an auto loan. We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and signed the paperwork Myself the cosigner and my son the primary borrower. As seen on documents provided by Capitol one XXXX XXXX XXXX XXXX XXXX TX XXXX. Within a week the loan appeared on my Capitol One account showing me as the primary borrower. This was not what we agreed and signed. The dealer was well aware that I was only the cosigner. When I noticed the mistake I contacted the dealer and thy assured me that it would be taken care of. After nothing was addressed I called Cap one and was told that there was an error and it would be fixed.. This went on over and over a 2 month period. Then Cap one put the blame back on the dealer and the prof that was sent, inc documents proves that Cap one was to blame, probably to make a profit. For the past year I have been working with the XXXX  to try and right this.

Company response to consumer: Closed with explanation