BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/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

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 2023-05-26
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A few weeks after I bought my home I was diagnosed with XXXX and had to face XXXX that removed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I was forced to take several weeks off of work and I began struggling to make my mortgage payment. Now my lender Cross Country Mortgage is telling me that they are going to foreclose on my house unless I pay the full past due amount of {$14000.00}. I bought my house with an FHA loan and put {$170000.00} down towards the deal and have a lot of equity. This situation was out of my control and I can't believe that they are aggressively pushing to foreclose when the temporary hardship has ended and they have not reviewed my financial information or my ability to pay, they are just trying to close the door. I want to file a formal complaint against Cross Country Mortgage because they are not offering homeowner assistance options that are required for FHA mortgage servicers such as loan modification, special forbearance, partial claim or repayment plan. 

When I bought my home in XX/XX/XXXX I had a good paying job and anticipated no problem making the mortgage payments. One week after closing my doctor told me that I had XXXX under and inside my lip. I had to go into XXXX and they removed 80 % of my lip as well as XXXX XXXX  XXXX  and was recovering for over a month and was not able to work. I could only work part time over the next few months and had to sell my motorcycle and cash in my XXXX so I could keep up with the payments. However in XX/XX/XXXX I was diagnosed with XXXX in my ear and again had to take time off of work. I was very sick and out of it and after more time out I ended up losing my job which led to me being unable to make my mortgage payment. 

At the beginning of XXXX I was in remission and back to work and attempted to make my mortgage payment and the Cross Country agents told me they would not accept the payment and that I needed to apply for homeowner assistance options. I have put together the paperwork three different times and submitted it to Cross County but I never am able to make progress. They have never reviewed my financial circumstances, my ability to pay, my hardship or provided any type of relief. I have the ability to pay and want to pay my mortgage, I just bought my home and put a very large down payment on the house. However, XXXX upended my life and put me through a very difficult time and I am grateful that the worst is behind me. I can't believe that Cross Country would close the door and deny me the opportunity to be considered for FHA homeowner assistance options such as loan modification, special forbearance, partial claim or repayment plan. My family 's financial circumstances have changed and improved and I am in a much better place and the hardship has been resolved. I just do not have the necessary funds to pay the full past due balance in one lump sum and need them to work with me on a plan to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
The is an inquiry on my credit from Discover Home Loans that I did not apply for or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries on my credit report. I recently checked my credit report and noticed that there are several inquiries that I did not authorize or request. These inquiries are negatively affecting my credit score and I would like them removed immediately.

I did not apply for any credit or loans during the time that these inquiries were made. I have never authorized any company or individual to check my credit history without my permission. Therefore, I believe that these inquiries are fraudulent and should be removed from my credit report.

Please investigate these inquiries and remove them from my credit report as soon as possible. I also request that you provide me with a written explanation of how these inquiries were made and how I can prevent such unauthorized inquiries from happening again in the future.

I understand that it may take some time to investigate this matter, but I appreciate your prompt attention to this issue. Thank you for your cooperation and assistance in resolving this matter. 

The inquiries : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Sincerely, 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 2022-11-15
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
My Account with PNC Bank was charged off. PNC agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all 3 Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the PNC XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with PNC representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all 3 credit bureaus. They said everything cleared at the branch I dont want to wait 30 days for an update on my credit report when they know its clear on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
Midland credit management Inc is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
OneMain never called about late payments before reporting to the Credit Bureaus that payments were late. Per fair credit practices, lenders need to contact borrowers before making reports. OneMain never tried to contact me by phone, mail or email before reporting to the credit Bureaus regarding late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I was unaware that my account would be late as I had automatic payments set up and I was unaware that my payments did not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested XXXX  and Transunion to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove 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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a count with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( co
py of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please 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 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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 2021-04-13
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: Was not notified of investigation status or results

Complaint:
Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below Equifax ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. 

Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. 

I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. 

Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. 

On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. 

However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. 

I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. 

I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
SLS Loan XXXX XXXX XXXX XXXX I am reaching out for assistance as my home is in foreclosure. I am diligently trying to sell the house in order to relocate as it has become unaffordable for me on my XXXX income. 

I have owned this home since 1996 and have struggled in years past to keep up with the payments on my reduced income. Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to return to my full time position and had to seek XXXX. 

My property is currently listed for sale with XXXX XXXX XXXX XXXX  XXXX XXXX and is actively being shown, but no offers as of yet. 

I have asked my servicer for hardship assistance but they will not offer any plans as I have equity in my home. So I am forced to liquidate. 

Due to the equity I feel the servicer will try to take the house from me through a foreclosure leaving me penniless and homeless. 

I am just asking for any and all foreclosure proceedings to be halted while I work to get sold. The equity from the property is all I will have to live off of and is needed for me to move forward. 

I am agreeable to a temporary forbearance of 4-6 months and can remit $ {$1700.00} monthly while the house is being marketed. 

Please help take action so that I can properly sell the home, payoff my debt and retain equity proceeds needed to find another place to live. It just wouldnt be right to have this equity stripped from me through a foreclosure sale when I am actively trying to resolve.

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