BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 am a victim of identity theft and breached by several data breaches. I wrote to the XXXX XXXX 's on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the XXXX XXXX 's advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.

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 2018-01-31
Company: Experian Information Solutions Inc.
State: MN
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:
My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got not response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.

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 2018-01-01
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: Account information incorrect

Complaint:
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX XXXX 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX/2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX - XXXX of XXXX  Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. 

I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I contacted Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to the computer glitch that was Transunion problem and not mine and caused my inquiries to be deleted. When I reviewed my credit again, I noticed that Transunion added the inquiries back onto my report without giving me the legally required notice 5 days prior to them re-adding the inquiries. I contacted Transunion in good faith asking them to delete the inquiries that, they illegally re-added and they told me I would have to reach out to the different companies who pulled my credit and dispute directly with them. These inquires add hardship and my rights have been violated by Transunion. <P/>Transunion also has my name misspelled and have been asked several times to remove the misspelled names and wrong addresses.

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 2019-05-24
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech is suing for foreclosure without legal standing. They claim to control the underlying debt ( Note ) but I have correspondence from Ditech that they are " merely '' a servicer. 

I feel this this a deceptive, fraudulent misrepresentation of a company that is simply a servicer of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.

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 2019-08-01
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: NY
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 receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.

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 2021-09-20
Company: Benworth Capital Partners LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Hello. My discrepancy is with XXXX 's XXXX XXXX program. Earlier this year, I used their services and received several emails requesting new business. I referred an individual, whose loan was approved, within their time frame, with a {$150.00} referral link. I have reached out many times to XXXX 's Support Team, Payout Team, Customer Service by telephone, etc., only to receive automated emails. In my XXXX 's XXXX XXXX, I have met the identity criteria, added my bank information and it is noted as approved. When I click on the dollar amount, it shows my referral approved date as XX/XX/2021, along with " in review. '' Further, XXXX 's terms note that the payout is made 30 days after approved, the XXXX of the following month. The Referral Payout amount has never been deposited to my bank account and seeking a resolution with them has been ineffective and exhausting. Therefore, I am requesting assistance to receive the Referral Payout Reward, as they promised. 
On XX/XX/2021, XXXX sent this email to me : Hello, Congratulations! Your XXXX XXXX application has been approved. Continue to watch your inbox for payment status. 
Thank you again for supporting small businesses! 
Many Thanks, The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be DELETED immediately : Capital One Inquiry Date : XX/XX/2019 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof within 15 days immediately of any or one, I would like it DELETED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
All the information collected is incorrect and I had no knowledge of any of it

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2021-09-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : 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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.

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 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

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 2021-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem was managing a security freeze with Equifax on XX/XX/2021 at XXXX PDT. I have been able to do this many times in the past. I first tried it online at myEquifax.com. I received an error stating that their system was unable to retrieve the status of my freeze. The system provided a phone number ( XXXX ) to call for assistance. I was connected to agent XXXX ID XXXX. I was told that their system was down and I should try again in a few hours. She was unable to provide any insight into when the system would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: ENCORE CAPITAL GROUP 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 have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: LA
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 have creditor that are old and have been paid out that should be removed from my report. They are over 11 years old that need to be removed. Experian refuses to have them remove.

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 2018-04-19
Company: Experian Information Solutions Inc.
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:
XXXX XXXX is reporting an inaccurate late payment 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 explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have hired a XXXX XXXX XXXX to dispute items on my report and since then all of my numbers have inproved except the Housing Score. It continues to sit at XXXX, where 6 months ago it was at XXXX. All of my other numbers have improved except this one. I'm trying to purchase a home and need my numbers above 580 or better. The number that it shows now has been like this for months. I'd like to know if this is an issue with this company not doing its job.

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 2021-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York XXXX Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with Discover bank. After submitting my application, Discover denied me of my right that I exercised in good faith of extending my credit. Pursuant to Federal Laws and 12 CFR 100 2 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right i n extending my credit through their financial institution. This caused me some small damages a nd inconveniences due to the fact that I intended on immediately utilizing this credit extension f or some family and household purposes. A Discover letter stating that I was denied based on Age of Youngest Inquiry, Ratio of Satisfactory Trades to Total Trades is too Low, Number of inquiries in the last month, which also is discrimination because it is my right to extend my credit through them for personal, household, and family purposes when done in good faith. 
Please be advised that the issues described in this complaint will be shared with the financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
I am writing of complaint about Equifax Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Equifax has also failed to substantiate that the account is mine. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. I am requesting that Equifax delete this unverifiable account immediately from my credit report.

Company response to consumer: Closed with explanation