BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-11-07
Company: EQUIFAX, INC.
State: IL
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 requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both equifax an XXXX refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ProCollect, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Been trying to reach company since 2015 to gather information about my account. Was told account is restricted and I couldn't get any information unless I contact supervisor via email. I submitted emails to supervisor and recieved one call when I was in the dr office with my son. Asked if they can return my call in an hour. Never got a response or call back. Sent another email just 4 days ago asking for item to be removed from credit report.still no nee email.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect names and alias on credit report with all XXXX bureaus.

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 2023-06-29
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:
XXXX XXXX XXXX XXXX poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: NV
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 sent an FTC Identity Theft Report to Equifax to dispute inquiries onXX/XX/2021, I received a lett

er that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report. When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity. The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Rocket Mortgage. On my online mortgage payment dashboard there is an 'estimated home value ' and 'use my equity ' button. Rocket Mortgage provided an estimated value of my home at {$270000.00} and the option to get {$63000.00} of cash out of my home with a cash-out refinance. These figures induced me to click and pursue a refinancing of my home loan knowing there was more diligence and appraisal work to be done. I supplied the necessary income documents and credit check. The third-party appraisal stated the home value was {$230000.00}. No problem so far. Based on the appraisal, Rocket Mortgage re-quoted me the cash-out refinance option but now included {$2000.00} in new lender origination fees that they explained I must now pay because the home appraised lower than I stated in the application. Problem here is my application was populated using the data Rocket Mortgage provided and confirmed by their mortgage banker. 

My problem with this is Rocket Mortgage induced me to go through the application and credit check process only to reveal an error on their side and they then charged me fees for their mistake. As a consumer, this bait-and-switch and inducement by Rocket Mortgage is cause for concern. Other consumers should be aware of this and not trust the current financial product marketing practices used by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a alert from XXXX XXXX  that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX  was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: GA
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company XXXX has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX XXXX..It says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6  times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: AL
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:
on XX/XX/2021, i sent equifax and XXXX  a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXExperian was XX/XX/XXXX, but o response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/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 2023-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX of this year, I went to a dealership in XXXX called XXXX XXXX. They verbally lied to me about the total amount that I would be paying. They told me that I would be paying {$8000.00} for a used XXXX  XXXX XXXX after the {$2500.00} down payment. I agreed to that, and sing the contract given. I went home and discovered that the terms on the loan are actually over {$15000.00}, with the potential of being more than {$23000.00} after 5 years due to interest. Credit Acceptance is the the creditor here and I would like to be removed from the policy of the loan, so it doesn't affect my credit. The dealership did not follow Regulation Z or the Truth in Lending Act, where they have to give the details in the loans truthfully.

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 2023-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm currently on a disaster forbearance plan that's protected from credit reporting. My credit score dropped by about XXXX points due to delinquency reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never received a credit card or anything pertaining this credit card. However I have been receiving phone calls NON-STOP all day with harassing voicemails, regarding a balance overdue. I have explained I never received this credit card and I called XXXXXXXX XXXX requesting an itemized bill of what was purchased. I was told they couldn't find that information. I have never approved for my information to be shared with anyone or 3rd party company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022

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 2021-02-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
care cr open this acct in XXXX, suspend billing in XXXX, XXXX cancel my acct, now i am getting calls from 3rd parties on this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I signed up for a promo card with XXXX XXXX XXXX when buying a laptop advertised with no interest for 12 months .. on XX/XX/XXXX of this year ( 2023 ). I paid the {$1700.00} with my new XXXX XXXX Account. Shortly after, I got an email notice saying the XXXX XXXX Accounts ( which I had just signed up for ) are being transferred to another company, Comenity. Since then, I have not been able to access my account. I'm not sure who to make payments to. I have read reports online that Comenity is charging interest and not honoring the promotion. When I call comenity or try to access my account online, they say they can not find it, even when I give my SS #. It's all automated, and I've found no way to speak to a representative for the bank. 

According to many people online, they have experienced something similar, and have been told that Comenity will only mail account numbers to account holders, but they aren't receiving them even after multiple requests. I don't recall ever receiving my account number in the mail. They don't provide it over the phone, and regardless, they are saying they can't even find my account. XXXX XXXX XXXX tells me they no longer have access after transferring the account to Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
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 XXXX XXXX XXXX. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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