BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit by Discover Card Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and XXXX to update my credit report AND my XXXX credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my XXXX credit score continues to suffer due to XXXX, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and XXXX to send updated XXXX credit scores yet I have not received them and/or they want payment for the XXXX credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper is PURPOSLEY misleading. They haven't addressed anything since my original complaints in XXXX. They provide no new evidence to support that they are losing documents, how documents are stored when asked directly, retrieval specific itemized of documents when requested, when asking the clarification of their own 3-5 business days for modification it has never been answered the last fifteen or so complaints MR cooper and its employees have attacked my character when after years lies i send a one vulgar disrespectful email when i have sent hundred of emails begging for explanations, to speak with a representative that will help only to be ignored so when one complains to the governing agencies and nothing is done and the company that is the perpetrator doesn't admit wrong doing and continues harm the consumer with its shady tactics. im afforded protections through the FTC AND FCC for phone calls MR cooper sends the same letter almost verbatim they sent last year and its considered a response but the threshold of the consumer is so great that it has to be a class action matter in order for justice to be done. i provided the same exact documents almost exactly at the same time with the PENNSYLVANIA HOMEOWNER ASSITANCE FUND who will pay XXXX allegedly .. Not once have i gotten a call or anything so this government agency must be as absentee as mr cooper is... NOOOO its that my documents were and are valid and MR cooper PURPOSULEY didn't take anything i provided into consideration... I also filed a attorney general complaint because of the CFPB ineptness to help and OBUDSMAN inability to respond timely and help and all they did was say they are only respond cause i basically have been harrassing them and they keep showing that one email BUT CANT PROVIDE THE HUDNREDS WHEN I BEGGED FOR HELP this the most shadiest company from everyone in customer relations escalations chief compliance officer modification SPOC etc its all the same they cover up and live in the courtroom

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Walmart is currently transitioning from XXXX XXXX  to Capital One. On the first day of the conversion, several days after making my payment ( payment was made XX/XX/2019 ; E-mailed received XX/XX/2019 ) I was e-mailed an electronic letter stating that my payment was returned. The account used to make the payment does not show a returned electronic check. With the system being down I can not access my account. When I called, the representative told me that nothing could be done until the conversion was completed on the XXXX and that " Capital one may remove your late payment or they may not. You'll have to advise them of the situation. '' Obviously, this is unacceptable and unfair to me and any other Walmart store card customers. I want this record on file so that I can dispute the late payment status. I was not notified quickly enough nor was I given the opportunity to resolve the situation, if it even actually occurred, which is yet to be known because no one can tell me. 

The account statement, which is attached, reflects a payment sent on XXXX from the bank, but the payment was made on XXXX. It reads " XX/XX/2019 WM EPAY   WALMART CC WEB - {$65.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: GA
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 have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

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 explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In or around the last week of XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX  in XXXX  XXXX XXXX , Arizona , I was denied a loan based on information provided by Experian Credit reporting agency . I believe the credit score they provided and other relevant information is outdated and incorrect. I wrote Experian a letter, dated XX/XX/XXXX and demanded a copy of my credit report! Apparently, Experian does not believe in following the law as I have still, as the date of this complaint, not received a copy of said report! I want the report sent to me 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home. The closing date was XX/XX/XXXX. I received a payoff amount that I then gave to my real estate attorney. The title Company verified the Closing amount with Rocket Mortgage associate and then proceeded to wire the money. 11 days later ; The Mortgage Company said they gave the wrong payoff amount! The day of the closing ; Checks were cut and Realtors and Attorneys got paid. I only found out today when I thought they sent me my 1098 form that it wasnt closed. Thats when they made me aware and then they returned the wires amount back to the mortgage company today on XX/XX/XXXX. I asked for the Executive Manager and no one is available for at least 48 hours while my loan is accruing interest. I also asked for an explanation and a new payout amount in writing which they didnt do. The house has been closed on and I am not the owner r according to the attorneys. Rocket Mortgage gave the wrong pay out and its my issue. I feel like its a bait and switch and Im being discriminated against. No notifications etc. Just to get more money that I dont have .I was on the phone on XX/XX/XXXX for 5 hours spoke to different people.. None did nothing. Very frustrated and would never recommend anyone to them. Unprofessionally treated and now the title loan company has over {$200000.00} sitting there waiting for a payoffAfter Rocket Mortgage had it for over a week gaining interest while Im losing more moneyI asked for the accounting information and payoff in writing and got neither

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: PR
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:
They deleted these accounts and reinserted them without notifying me, which is a violation of the law they have to notify me 5 days in advance. these accounts were opened fraudulently and are on an identity theft report, the accounts are XXXX Bank # XXXX, XXXX XXXX XXXX CO # XXXX, and XXXX  # XXXX The 3 accounts do not belong to 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2020-08-09
Company: EQUIFAX, 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:
I previously sent three letters to Equifax letting them know that I am a victim of identity theft and also the suspect XXXX XXXX had a fraudulent driver 's license create it in my name and she's currently locked up for identity theft and mail fraud Equifax has deleted everything else except for the XXXX XXXX XXXX fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 explanation
Consumer complaint received 2023-09-27
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I was XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was XXXX XXXX XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and XXXX was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXXXXXX XXXX account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX Open Date XX/XX/2015 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 2023-09-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An application was submitted in my name for an XXXX in XXXX XXXX in XX/XX/XXXX for. The application fee was submitted to debt collection in XX/XX/XXXX and just appeared on my credit report. 


XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : XXXX Current Principal : XXXX Interest Due : XXXX  Total Due : XXXX COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In late 2018, I requested a Serve American Express card which I received in the mail. I activated the card but put it aside because I only planned to use it in travel. I recently made several attempts to link the card to an account so I could use it and I received we'd a message saying I needed to call customer service or activate the card, which already completed. I also called the customer service line but could not get through to an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for 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 2022-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2023-01-04
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: Public record information inaccurate

Complaint:
According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the XXXX XXXX  credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX Bankruptcy XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Experian and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you XXXX  this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Experian and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.

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