BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
I contacted Security Finance on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.

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 2020-05-27
Company: Nudge Funding, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the process of refinance with Box Home loans since XX/XX/2020. They have been non-responsive to me when trying to clarify what they needed ( no response to emails or inquiries through my account page with them ). They have asked for verification on " interest in properties '' that I have never owned and then will no clarify where their information comes from. I have responded quickly to any request for documentation. After 6 weeks, my application has not even gone through the initial review phase. We have a previous relationship as I have done one home purchase and one refinance through them. I am really frustrated about what appears to be their incompetence. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ International is attempting to collect a debt that is not valid. IQ International contacted me in XX/XX/XXXX regarding a balance that was purchased by them from the XXXX XXXX  XXXX. Upon receipt of their initial letter I immediately filled disputes with the creditor directly, as well as lodging several complaints against XXXX XXXX XXXX with the FTC and local regulators in both the State of Colorado and the State of California. I had lawfully terminated my lease at the XXXX XXXX XXXX per the terms of the lease ( failure to maintain a safe and liveable environment. I had provided management advanced notification of my lease termination via writing and within the timeframe my lease allotted. I also provided management at XXXX directly with both photographic and video evidence supporting my claims. Even though I had followed all requirements in my lease management at XXXX refused to abide by our lease terms and stated they would not honor the lease we had signed. I was not provided any invoice on move out and did not receive any further communication from XXXX until receiving a bill directly from IQ Data. No invoice from the creditor was ever sent to me advising of any balance owed. Upon receiving notice from IQ Data I immediately filled a compliant with CFPB. IQ initially responded to the complaint providing a invoice with no explanation for charges listed. Past the initial response I had received no further contact from IQ Data. Today XX/XX/XXXX almost 7 months after receiving the initial letter from IQ, after receiving no further follow up, invoices, or communication they placed the disputed account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: SYNCHRONY FINANCIAL
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:
They did not respond

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 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited my Pandemic Unemployment check via mobile app to bank of america totalling XXXX. No more than 10 minutes later, my account was closed and the funds put on hold. I called them, they told me it would be released today XX/XX/XXXX pending they confirm the check is valid and cashable. They check is drawn on a Bank of America account, here in Arizona so there is no reason it should take that long. After waiting until the XXXX as instructed, I was informed it is still on hold with no date for release. I have not been able to access any of these funds to date.

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 2018-04-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to use my XXXX 's XXXX Master Card issued by Synchrony Bank at the XXXX XXXX XXXX gas station in XXXX, NY on XX/XX/XXXX, and after waiting for 15 minutes in line and getting to the pump my card kept coming up as inactive. I called the customer service line to find out that the company had close the card on XX/XX/XXXX. I asked why it was closed and was told by the Supervisor that my card was inactive for 2 years and that it was in the terms when I signed up for the card and there was nothing they could to do to reopen my account because it was closed. I insisted that the it has not been 2 years and it was a mistake on their behalf. She couldn't look up the exact date when asked when the card was last used, just insisted it was in XX/XX/XXXX and it was 2 years. The last payment I had made on the card, according to my bank statement, was on XX/XX/XXXX, and I am never late on my payments. They refused to do anything about it. The only thing that could be done is file a dispute with the credit agency, and now I have to wait at least 30 days to hear anything. It is wrong what they do. They don't even send a notice that the card is going to be closed or is in jeopardy of being closed. Now my credit will be effected by this closure, and I have an Exceptional credit score in the XXXX. This company is not right in what they do to their clients.

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 2022-10-05
Company: EQUIFAX, INC.
State: CA
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 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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 a victim of identity theft due to an equifax credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on my property in XXXX without even notifying me when they were taking over my property back in XXXX from my original mortgager who was XXXX  XXXX I believe.

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 2020-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I reached out to capital one to see if they can update my payment to paid as agreed. I had fraud on my bank account and my payment bounced. I am a XXXX   and did notice until I tried to use my debit card. I have a part-time job and this is my first credit card. I called and asked if they could help as a courtesy. This is the only late payment that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
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: Their investigation did not fix an error on your report

Complaint:
This letter is an effort to get an entry on my credit report removed, because it is not accurately reporting. The public record company on my credit report was asked to remove their entry off my credit report, and there reply was, they do not report to the credit bureaus. See attached response letter from US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division. 

I forwarded a copy of this response from the US Bankruptcy Court, XXXX XXXX of Texas, XXXX Division, and all three credit bureaus still refuse to remove the entry from my credit report. They received this information from XXXX, which is not a credit bureau, and considered a 3rd party that sells people personal information to the credit bureaus. The US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division where my case is, do not report to 3rd party information brokers or credit bureaus. That makes the information being reported inaccurate, and I am asking that it be removed immediately. I have sent correspondence to all credit bureaus, and 3rd party information brokers that have any of my information for sell to put a credit freeze on my file.

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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
back at the end of XX/XX/XXXX I had signed up on their website for auto pay. in XX/XX/XXXX I  received notice from them that I was 30 days past due. I had called them and explained to them I had signed up for auto pay and showed them where on their website I signed up for that. The manager explained that their website was incorrect and I had to go into a different area on the website to set up auto pay. The manager went on to the website and saw where I had signed up for auto pay so he waived the late fees and promised to not report me 30days late since it was not explained that I had to sign up for auto pay in two different areas on their website.

Just recently I pulled my credit and saw the late payment on my credit report. I went ahead and disputed it with transunion and they said that matrix refused that correct the report. 

I then sent a letter to matrix asking them to fix the credit report and reverse the late payment that was reported by them for XX/XX/XXXX. They never responded to me nor have tried to reach out to me. 

This is not my fault and their website is completely to blame. How does a consumer know that they have to sign up in two different areas if not dosent say that. 

Ive been a loyal customer to them since XX/XX/XXXX and pay ontime everytime in addition to their monthly billing fees they charge me just to have their card.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
my complaint has to do with XXXX XXXX XXXX,  who collected on a debt owed to XXXX XXXX XXXX. I got in contact with midland credit in XX/XX/2018 to discuss this matter and arrange a settlement and set up payment plans. A XXXX   XXXX  account manager XXXX XXXX agreed to the terms and told me that once the settlement was paid the account it would go to a XXXX  balance and be taken off my credit report. on XX/XX/2018 I made the last payment of XXXX which was the agreed last payment on the account. XXXX XXXX has not keep their end of the deal and the account is not only still on my credit but, refuses to send me in writing that the account is paid. Ive spoke with the account manager XXXX XXXX on numerous occasions and called the compliance office at XXXX ext XXXX and talked to XXXX XXXX who also refused to send me in writing the account is a XXXX balance and that it would come off my credit report. The date of the last payment was XX/XX/2018 it is now XX/XX/2018 and the account is still on my three credit reports and being verified as accurate with a remaining balance that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has been misreporting this account for over a year and a half, substantially dropping my credit scores, inhibiting me from getting credit, and creating an unjust financial hardship on me, XXXX XXXX XXXX XXXX XXXX charged off balance : {$11000.00} 82 % settlement : {$9400.00} paid in 3 payments XXXX amount : {$2000.00} XX/XX/19 Settlement payment dates and amounts : XX/XX/19 paid {$1100.00} XX/XX/19 paid {$4000.00} XX/XX/19 paid {$4200.00} Total settlement paid {$9400.00} XXXX received XX/XX/19 for the forgiven amount as a results of the settlement agreement I have attached 4 images to corroborate this claim 1. Screenshot of how the XXXX XXXX charged-off account is misreporting a balance to all three of my credit bureaus. 

2. XXXX XXXX XXXX letters showing they collected on this debt 3. Proof of the three settlement payments made to collection agency as per our settlement agreement 4. XXXX received for the forgiven amount

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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. XXXX XXXX XXXX reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.

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 2018-12-09
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: Account information incorrect

Complaint:
I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2017-12-10
Company: Experian Information Solutions 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 have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Which the EXPERIAN & XXXX have yet to provide.

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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I requested a copy of my credit report on XX/XX/XXXX and  discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2019-11-11
Company: EQUIFAX, INC.
State: NC
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:
On approximately XX/XX/2019 I sent Equifax a certified letter asking them to send me verification and method of verification of 3 negative accounts that they refuses to remove from my credit history. They send me a letter on XX/XX/2019 stated they received my request but was unable to locate my files. Just continue to give me the run around as if it's a game. This have been ongoing for serval months. They have sent me mail. But now they pretends not to be able to locate my files.

Company response to consumer: Closed with explanation