BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: DISCOVER BANK
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: Information is missing that should be on the report

Complaint:
Hi Contacted discover card fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with XXXX  and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and discover refused to do so ... the account number is XXXX Discover secured card with a XXXX limit ... ..is not being reported to XXXX  and XXXX  credit file and I need to have it back on there so I can add history to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries 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 2021-03-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I completed an electronic mortgage application with mortgage broker AmeriSave Mortgage Corporation ( NMLS ID # XXXX ). I filled out the online application while I was on the phone with Loan Originator XXXX XXXX ( NMLS ID # XXXX ), who instructed me on how to fill out certain fields. XXXX instructed me to choose to float my rate vs. initially locking in a rate and explained that AmeriSave would honor its initial good-faith estimates if interest rates were to go up. I subsequently spoke with XXXX 's Mortgage Sales Manager XXXX XXXX ( NMLS ID # XXXX ) who confirmed that this instruction was consistent with what AmeriSave Mortgage Corporation instructed its Loan Originators to tell customers at the time, and was consistent with what other customers were told. XXXX repeated the promise that AmeriSave would honor its initial good-faith estimate in case of a rising interest rate environment several times on a recorded phone line, and I have emailed both XXXX and AmeriSave 's compliance department instructing them to preserve all recordings. XXXX and XXXX subsequently related that AmeriSave was no longer willing to honor its initial good-faith estimate after rates went up and offered to cover part of the difference in rates. It was made clear to me and other AmeriSave customers that AmeriSave, not its customers, was bearing interest rate risk. 

I contacted various AmeriSave managers including XXXX XXXX XXXX, AVP of Compliance, who told me " Rates can not be promised. Either the rate is floating ( and the rate can fluctuate until locked ) or the rate is locked. '' This is inconsistent with the instructions given to AmeriSave 's Loan Originators and the representations made by same.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXX XXXX XXXX  XXXX XXXX.to ask about XXXX XXXX my husband and XXXX XXXX how to reach XXXX XXXX XXXX XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is XXXX. 
XXXX Ph # XXXX ext.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 this creditor, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my PayPal account that was closed to suspicious illegal activity. I have not used my PayPal account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my PayPal account has since been closed.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent via certified mail two rounds of letters to Experian on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : 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 2019-05-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
OnXX/XX/XXXXIappliedoverthephoneforacheckingandsavingsaccountatBMOHarrisBank.IclearlyinformedthebankerthatmyaddresswasnotmyphysicaladdressandwasabusinessaddresssinceIamstationedfarfromhomeandBMOHarriswouldnotacceptanFPO.IinformedthebankerthatmyIDandproofofaddressalsocontainedthatmailingaddress.Duringthiscall,Iwasofferedapre-approvedrevolvingcheckinglineofcredit.SheconsultedwithothersatBMOHarrisandsubsequentlytoldmetherewouldbenoproblems.Shelied.Therewereproblems.BMOHarrisrefusedtoopentheaccountsandsentnoadverseactionnoticeasrequiredbylaw.

AftertalkingwithBMOHarrisagain,theirmanagementtoldmethatIshouldapplyagainusingmyactualhomeaddressandtheypromisedtherewouldbenoproblems.Theyliedagain.

OnoraboutXX/XX/XXXXIattemptedtoagainopenanaccountusingmyresidenceaddressandthephonebankertoldmethatinhersystemIwasnotallowedtoapply.Shegavenoreasonwhy.ShereluctantlyconnectedmewithanunnamedsupervisorwhotoldmeIneededtogotoabranchtoapply.

ThefollowingdayItriedtoapplyonline.Ipassedtheverificationquestionsandmyaccountwasopened.Ireceivedwelcomeemailsandwasabletologinonlinetoviewmyaccounts.

OnoraboutXX/XX/XXXXIreceivedaletterfromBMOHarristhattheysenttomyoldmailingaddresswhichwasNOTusedforthisapplication.TheyaskedmetobringID,SocialSecuritycardandutilitybilltotheirbranch.

OnXX/XX/XXXXBMOHarrissentmeyetanotherletterstatingtheydeclinedmyapplicationandfailedtoprovideareason.TheyincludedaDeclinationNoticethatinnowaystateswhytheyrefusedtoopenanaccountthattheyhadalreadyopened.

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 2023-03-25
Company: Affirm Holdings, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off an account back in XX/XX/2023. The company affirm is still reporting my account as not paid in full. I have sent my paid off letter confirmation via the upload section proving that I paid it off in full. I have disputed twice and twice I have gotten back results stating that The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So the account REMAINS unpaid. Even with my proof straight from the companys website that it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
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: Their investigation did not fix an error on your report

Complaint:
1 ) The first issue is that I was NOT properly notified of my dispute results! I received an email from Equifax stating my dispute results were ready. First off, my dispute results were supposed to be MAILED TO ME. Second, after I logged in to see the results online, there is a column with " view '' there. It was not hyperlinked! There was NOTHING TO VIEW. 2 ) The second issue is that I called today, XX/XX/2019 and spoke with rep XXXX at around XXXX and he told me that the illegal XXXX  account STILL REMAINS after dispute! The collection account reports a " past due '', of which collection accounts ARE NOT SUPPOSED TO DO. By default, a collection account IS ALREADY PAST DUE. They are in violation and this account must be deleted immediately. However, Equifax -- in particular, whoever entered my dispute -- took it upon themselves to submit my dispute with XXXX as " updating the balance ''! That IS NOT what I was disputing! I very CLEARLY STATED that the problem with the account is that it illegally reports a " past due '', violating the FCRA! Representative XXXX is the one who told me that " updating the balance '' is what " I was disputing '' when that is FAR from the truth. Equifax wasted not only 30 days of my time, but really a whole year of disputing this illegal account. My next step will be filing a claim against Equifax of at least {$1000.00} for damages if this account remains. In fact, there's nothing to dispute ; no dispute is needed -- this account needs to be DELETED IMMEDIATELY! I have attached what I sent to them in XXXX for my dispute, which CLEARLY does not say ANYTHING about disputing a balance! I state that the 'account must be immediately deleted for the FCRA violation of reporting a past due as a collection account '. ACCOUNTS THAT VIOLATE THE FCRA ARE SUPPOSED TO BE DELETED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Self Financial Inc.
State: GA
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:
After paying my Self account on the XXXX of last month ; XX/XX/XXXX Self Lender fails to update to the credit bureaus showing an updated score and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.

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 2023-02-23
Company: EQUIFAX, 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: Account status incorrect

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 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX.XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX ... XXXX XXXX XXXX, XXXX XXXX XXXX. I reached out to the FTC and my local police and Im also doing this on my own behalf.

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 2019-03-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express has a promotion for their Every Day card for 0 % interest for 15 months and zero balance transfer fee. No where in the marketing, application process or card member agreement is it stated that there is a {$5000.00} total balance transfer limit. Consumers only find out about the limit when the try to transfer a balance ; after a hard inquiry on their credit report and after being approved. I would not have applied for the card had I known there was a limit and now there is nothing I can do to reverse the hard inquiry on my credit report which has a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Auto loan was originally opened with myself as co-signer, vehicle was not in my possession. Primary refinanced vehicle to have me removed from auto-loan. As of today, reporting is not up to date and reflecting incorrectly having my name attached to loan still.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
FCI is the servicer XXXX in the investor owner, was in a BK-XXXX my attorney XXXX it up, ( will complain to the state bar ) have asked FCI of payment history and ORIGINAL LOAN FILE PER RESPA am entitled to look at will go to FCI XXXX at FCI says call XXXX XXXX is the investor have been talking to, he says call XXXX at FCI?!?!?!? both pass the buck, finally my cousin received the payments history and BK PAYMENTS WERE NOT POSTED CORRECTLY PER FEDERAL BK LAW enclosed is history!!!!! Since XXXX and XXXX and XXXX at FCI dont want to comply submitting this first before paperwork being filed! WANT TO SEE ORGINAL LOAN FILE PER RESPA, have denied my modification, am dealing with a XXXX father, so my cousin is helping, but BK XXXX PAYMENTS WERE NOT POSTED CORRECTLY, and have asked why so many fees have paid other companys that had loan XXXX and were to drop balance but was sold! neither company can do right thing! WANT TO SEE ORIGINAL LOAN FILE! ( am in process of bringing current or will file PR-SE ON MY OWN!

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 2022-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 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 2021-12-21
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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