BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This information on my credit files is inaccurate and does not belong to me. My personal information was in Transunion, XXXX, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over 100 inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

XXXX XXXX XXXX # XXXX {$430.00} XXXX # XXXX {$300.00} XXXX XXXX XXXX # XXXX {$430.00} XXXX XXXX XXXX # XXXX {$480.00} XXXX # XXXX {$220.00} XXXX XXXX # XXXX {$220.00} XXXX # XXXX {$430.00} XXXX XXXX # XXXX {$130.00} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over 10 years old on my credit files and it has reach its limit and i would like it removed.

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 2022-12-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had XXXX  and was recently in the XXXX  unable to pay make my payment. I received two late fees in XXXX and XXXX I called to get them reversed because I am going through a hardship and the manager told me she would reverse two when I looked on my statement there was only one reversed I called them to ask them about the second fee and they refuse to reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX. XX/XX/XXXX I spoke to XXXX XXXX XXXX loan officer ) who helped me get a pre-approval letter for the XXXX XXXX XXXX. 

XXXX. XX/XX/XXXX my home offer was accepted and I started an online application with Rocket Mortgage, inquiring about the XXXX XXXX XXXX. Closing deadline : XX/XX/XXXX. 

XXXX. XXXX XXXX helped me gather all required documents from me and my co-borrower ( sister ). During the document gathering process, I was asked about my rental history in which I stated " rent free '' due to the lack of a lease contract. Was informed this was OK and the application was submitted to the underwriting department on XX/XX/XXXX. 

XXXX. Got feedback that being " rent free '' the past 24 months would disqualify me from the loan. I asked XXXX if providing a statement from my brother XXXX primary leaser ) indicating that I have actually been subletting a room and been paying rent for at least the 24 months would qualify me. Was informed yes and immediately provided a signed attestation. 

XXXX. My brother ( not me ) received a call from Quicken Loans the following day to say that statements from relatives would not be accepted. 

XXXX. XX/XX/XXXX Reached out to XXXX and was informed that either a statement instead from the owner/landlord of the residence would be accepted or statements proving rental history. 

XXXX. XX/XX/XXXX I uploaded the signed attestation from the owner/landlord of the residence and emailed it directly to XXXX. 

XXXX. XX/XX/XXXX XXXX XXXX solutions consultant at Rocket Mortgage XXXX reached out to me to tell me that there was no path forward even with the signed statement, in which I suggested I provide statements of rental history for 12 months. Same day I provided all my statements demonstrating consistent monthly rental payments, bank statements showing check withdrawals, XXXX transactions with memos that all reference a rental transaction. 

XXXX. Today I received word from XXXX that the statements provided are " unverifiable ''. I inquired exactly why it isn't verifiable if I had signed attestations from my brother, landlord, and statements of consistent rental payouts which connect all the dots. 

XXXX. They replied repeating that my rent history was " unverifiable ''. 

From beginning to end it seems the goal posts have shifted consistently and there are no clear guidelines to meet loan criteria. Even so, I have consistently provided any requested documents to meet stated criteria. I would be 100 % understandable of the loan denial if there was a criteria disclosed to me right from the start that I could not satisfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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 am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a credit card from XXXX and was approved. They used Experian. As the rate seemed high, I decided to check my report. They have a section called " Get a quick view of what lenders see. '' It reflects my overall credit usage as 240 %. Credit used is showing as {$3500.00} and credit limit of {$1500.00}. The {$3500.00} is the remaining balance of my XXXX XXXX XXXX card I owe and am paying off ( I closed this card on XX/XX/2021 ). The credit limit on the card was {$6800.00}. The {$1500.00} is the credit limit for my XXXX XXXX card. I have a {$0.00} balance on this card. 

This is very deceptive to lenders because it doesn't accurately depict how I use credit. It doesn't take into account my {$6800.00} credit limit I had for the card and it makes it seem as if I am maxing out my cards, which I am not. It hurt my interest rate on the credit card I was approved for. 

I opened a dispute but I can't select that section so I had to select my XXXX account and type the dispute info. They didn't do anything about my issue. When I call the customer service number, I have to say I am a " member '' in order to speak to anyone. We should not have to be a member to view out credit report. They are just trying to avoid lawsuits by establishing an agreement. I have attached the portion of my credit report that shows the credit usage snapshot.

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 2019-10-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX suppose to send me back my security deposit in the amount of 150 $ 30 days after I moved out of the apartment. Instead of returning my deposit they ( XXXX XXXX ) sent me the final statement by email without signature which made me believe someone is trying to commit fraud against me. 
On my response to provide me the proof of necessary activity they are going to charge me for ( Painting, Carpet replacement ) I did not receive any. 
Instead I was reported to collection agency which will affect my credit. 
I am demanding my security deposit back plus removing my file from collection plus compensation for moral damage

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 2023-10-22
Company: EQUIFAX, INC.
State: PA
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:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX XXXX  # XXXX balance- {$480.00} XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account XXXX XXXX balance- {$990.00} XXXX XXXX # XXXX balance- {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ. 
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem. 
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation. 
To make this story shorter. 
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt. 
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter. 

I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information. 
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''. 
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau. 
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help. 

Attached is proof of the cancelation and the letter I received from the bank. 
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank. 

Thanks in advance XXXX XXXX Ph # XXXX Email : 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 monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly review the documents provided. I implore the bureau to start an investigation into these accounts, which erroneously depict me as late, despite my record of punctual payments.

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 2021-06-17
Company: EQUITY LOANS LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My mortgage company : Equity Prime Mortgage bounced a {$40000.00} check in my XXXX XXXX Account on XX/XX/2021. They advised that the original check issued from my insurance company : XXXX XXXX XXXX XXXX was not endorsed properly and was returned in THEIR bank. On XX/XX/XXXX, I resent the mortgage company a new check from the insurance company that cleared! Last Friday, the mortgage company released ONLY A {$10000.00} check as part of my claim!!! I need the full {$40000.00} reissued to rectify the overdraft, fees, and restrictions on my bank account. Its been 2 months!

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 2021-06-17
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. XXXX failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.

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 2019-10-11
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:
My personal information was compromised about 3 years ago due to XXXX  's negligence to insure reasonable security measures of all consumer personal information

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 2023-09-26
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: Credit inquiries on your report that you don't recognize

Complaint:
fraudulent inquiries and name on my credit report, and the credit bureaus are reporting it without a permissible purpose. The inquiries and name are listed below : XXXXXXXX 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 2021-06-17
Company: Klarna AB
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I issued payments to KLARNA via my bill pay through XXXX XXXX in XXXX XXXX, fl. I used the address on their acct information in OHIO and both bank checks were ( for two months ) were returned to me as undeliverable. I them paid KLARNA direct from their website. You can not get through to them via phone, everything is chat. They agreed to remove the negative comment on my credit but I had to determine what day the entry was made, I was unable to do so. Can you investigate for me I would appreciate it. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had some fraudulent activity on my account on my account in XX/XX/2018 statement. I disputed the charges and they were all ruled in the merchants favor. Afterwards I sent a certified letter asking for the evidence that led to their decision. However I never received and of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Services ( SPS ) - my mortgage processor will not refund the overpayment of my paid off loan. SPS collected a mortgage payment after the loan was paid off on XX/XX/XXXX and they will not refund the money. The loan was overpaid by {$3500.00} for XXXX XXXX XXXX XXXX Ca loan/account number XXXX. I have called and sent letters SPS stole this money from me and will not refund it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
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  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 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 2023-10-24
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: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief