BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: BARCLAYS BANK DELAWARE
State: NY
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:
XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. Barclays Bank And XXXX XXXX. 

I still see both in my XXXX  credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at XXXX  and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.

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 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Midland 's Funding continues to violate my consumer rights and is attempting identity fraud by using my information. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. PURSUANT TO : 15 USC 1692c I am invoking my specified remedy as a consumer, and the original creditor I am also demanding deletion from all consumer reports and request confirmation of this remedy in writing within 15 days.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Let this complaint serve as notification that I do not wish to be contacted about this debt that does not belong to me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. This included furnishing unvalidated data to the consumer reporting agencies. 

Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, CFPB, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: TD BANK US HOLDING COMPANY
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:
I am in an active ch. XXXX bankruptcy case and TD Auto finance has incorrectly updated my credit report. They are reporting me as being late in the month of XX/XX/XXXX. This has caused my score to drop 36 points. I have been in contact with this company over the last 40 days and was ensured that is was an error and it would be corrected. I spoke to a very rude employee by the name of XXXX XXXX. I tried to ask her for some additional information but instead of hearing me out she just transferred my call without any notice. I am due to close on my home loan in 3 weeks and this error will prevent me. I and my child should not have to suffer due the negligence of TD Auto finance. TD Auto transferred this loan to XXXX XXXX XXXX on XXXX of XXXX so why are they updating my account and updating it with inaccurate past due information? My payment have been made inside of my ch. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I applied for the Hilton Surpass Card on XX/XX/XXXX, I applied with the welcome offer of XXXX points under the condition that I meet the spending requirement of {$5000.00} within the first 3 months after account opening. I had met the requirement in time. But I when I called in on XX/XX/XXXX to request the points after I fulfilled my requirements, I was told that I was not qualified for the welcome offer points. I talked to XXXX and XXXX and they told me my request would be transferred to a different department for further investigation. ( on XX/XX/XXXX, I called in to resolve some issue, but the representative cancelled my XXXX credit card without my authorization. I called back to reopen my account and got a new card with different card number. I think it might be the reason why the system couldnt process my welcome offer points because it might read the reopening action as duplicate accounts, which disqualify automatically. ) On XX/XX/XXXX, I spoke to XXXX, she informed me based on the result of the investigation, the points will not be granted. The reason was based on my past credit card experience. But according to Amex 's disclore towards the offer, " Welcome offer not available to applicants who have or have had the Hilton Honors Surpass Card or the Hilton Honors Ascend Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' I ony had 1 AMEX blue card other than this Hilton card wand it was opened 13 years ago back in XXXX. It approved my application without any warning or notification saying that I was not qualified for the welcome offer. And it misled me to believe that I would receive my welcome offer by mailing me the card and documents without any written notice regarding the disqualification decision. When I called in XXXX and XXXX asking different questions regarding the welcome offer associated with my card, nobody had ever informed me that I was not eligible to receive it. I tried my best to spend {$5000.00} within 3 months to meet the requirement to get the points to only find out they would not honor their offer as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom mortgage has violated RESPA, due to The fact that they were still working on a Modification on my VA loan. Apparently on XXXX the XXXX at XXXX XXXX. I have complied with all request of all documents necessary to continue the modification if anything they lose paperwork paperwork doesn't get Uploaded nothing can be done by anyone you don't know who to speak to ever there's no communication as to what's going on on the loan it's always it's there being worked on what's being worked on is my question definitive answers I never get is like I'm just sit there waiting to be thrown out of my home because of their lack of communication and because of the incompetence of getting documents to the underwriter who nobody can never speak toTheir attorney place my home are in option on XX/XX/XXXX at XXXX XXXX. This is in violation Restaurant because a service or can not place my home in a pro closer status when there is still no commitment no resolution on the modification I was told to send paperwork on the XXXX and it was due in XXXX and I did I have confirmation that both those were received at freedom mortgage corporation at their loss mitigation department. 
And today I received a letter and I will attach it that they placed this in a pro closure position on to proceed with the upper closure on my property on XX/XX/XXXX. 

Freedom mortgage has never been transparent with me has never given me reasons why I was declined they will not re view any types of alternatives or have they offered me a trial payment. On my mortgage. 

From the inception of this which was in XXXX of XXXX they have been telling me that it is being modified which was not true they were not doing anything other than let me get more and more behind on this mortgage I offered them payments in XXXX of XXXX they told me not to worry that it would be placed at the end of the loan that was not true. 

I believe that freedom mortgage has been just letting my long go until I got into a position Of bean for close just like all the other people that were hurt by XXXX  XXXX XXXX and all these people lost their homes because nobody was working on a modification there was just let him slide there is no communication with freedom mortgage nobody ever knows what's going on all they ever tell you is not to worry will now I worry because now I'm getting paperwork I don't have any place to go they have not completed my modification so now what I am serious this company needs to be investigated on this Matter.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: MA
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:
Submitted a dispute to Experian about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX  at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from 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 explanation
Consumer complaint received 2018-12-25
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX  Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Lexis Nexis on countless occasions and have not recieved any responses. They have failed to verify who furnished this information. I have contacted the courts directly and they state they do not furnish any information. This bankruptcy reporting needs to be deleted because it is unverifiable information according to FCRA.

I contacted Lexis Nexis o
n XX/XX/2021 And on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: MA
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 filed a dispute with equifax about a vehicle repossession that happened in XX/XX/2013 the date of the first delinquency on the original account with XXXX XXXX is XX/XX/2013 and the balance is {$7700.00}. I asked Equifax to review dates and delete account due to the age of the negative credit the estatute of limitations in Massachusetts is ( 6 years ) and this account is approaching ( 7 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo credit card bill due date is XX/XX/2020 XXXX ( bank providing our checking/saving accounts ) remitted payment on XX/XX/2020 to arrive by XX/XX/2020. 
Wells Fargo claims payment not received until XX/XX/2020 and charged late payment fee of {$38.00}. 
Call placed with Wells Fargo on XX/XX/2020 to dispute late payment fee, as payment should have been received on time. Wells Fargo refused to refund fee, and was escalated to manager who also refused to take this action.

We question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, we find it hard to believe that it would take longer than 6 business days for delivery of payment between XXXX and Wells Fargo. We believe this is a tactic on behalf of Wells Fargo to encourage consumers to leverage their own bill pay services instead. This was evidenced by the fact that Wells Fargo manager encouraged use of their own services, and advised that bill should be paid in advance of due date instead. 
To date, we have leveraged bill pay services with XXXX for over 15 years and this is the first instance of a payment not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices.

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 2021-07-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage agent XXXX XXXX was helping me to get my home loan to refinance since XX/XX/XXXX. I listed her personal information as list below : Professional Information Broker Address : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX Cell phone : ( XXXX ) XXXX Websites : Website Screenname : XXXX Member since : XX/XX/XXXX Real Estate Licenses : XXXX ( CA ) Other Licenses : XXXX ( Real estate and mortgage broker ) Languages : English, XXXX In the beginning, XXXX XXXX said she can get no point no fee for my home loan for XXXX with 2.75 % 30 years fixed. My loan process was almost closed and she said I can sign my paperwork on XX/XX/XXXX or XXXX, XXXX. However, on XX/XX/XXXX, she called me and asked me to pay her {$500.00} dollars cash for over 30 days loan process. If I don't pay for her she will have to terminate my loan process with Quiken Loans, LLC ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX and my loan number XXXX ). If I don't pay her {$500.00} now, I have to wait for another 30 days later and restart my loan application again. I am not happy with that since she already took me over a month. I also gave her all my personal information and turn out to have to wait for another two months. She knew my current interest rate is 3.875 % which I will have to pay {$330.00} dollars more for each month. If I give her {$500.00} dollars, she can help me to close the case immediately. I search online that never and ever pay for the mortgage broker money because the lender will give her money when the loan closed. In order to avoid paying her, I have to restart the loan application with another new broker. My phone number is XXXX and my email is XXXX. If you have more questions welcome to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacting the credit bureaus Experian, XXXX  and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason Experian and XXXX  repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also XXXX  has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692. 

there are also hard injuries that I have called XXXX  about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

Experian had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity

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 2020-11-19
Company: CITIBANK, N.A.
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:
THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT 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