BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: DISCOVER BANK
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchased an air soft gun through XXXX  on XX/XX/XXXX, the gun was defective when i did receive it weeks later, I emailed seller on XX/XX/XXXX. I have tried resolving this with Discover since seller wouldn't respond. XXXX states they will not investigate since I filed complaint with Discover 1st since XXXX could not be reached. The seller refuses to respond to XXXX as well and quit responding to me XX/XX/XXXX. Discover charged back the card without notification and/or allowing me to supply my documents for this dispute. This is and was a defective airgun. XXXX only offered {$50.00} inconvenience credit then {$100.00} on XX/XX/XXXX. I advised XXXX rep XXXX, on XX/XX/XXXX I want my entire {$150.00} and she stated since Discover charged back the amt they have the final say and refuse to investigate AT ALL since my bank investigated. You can see where XXXX emailed the seller and NEVER ONCE RESPONDED. I advised them i would return the product but dont feel I should pay for shipping since they sent me the product defective. They didn't respond after that XXXX XXXX XXXX. 
Dispute Case ID : XXXX Transaction Amount : {$150.00} USD Dispute Amount : {$150.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) 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.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) XXXX XXXX XXXXXX/XX/2020 ) 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.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-04-02
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:
XXXX XXXX XXXX is being reported as a delinquent account every month after several disputes. It is affecting my score.

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 2017-10-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. 

NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. 

NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. 
My name is also on Title. 
NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. 

NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. 

NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. 

NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. 

Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. 

Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. 

I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.

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 2017-10-26
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:
I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.

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 2022-04-02
Company: Lending Club 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: Information belongs to someone else

Complaint:
Lending Club Corp is being reported as a delinquent account every month after several disputes. It is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX is being reported as a delinquent account every month after several disputes. It is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing Company is inaccurately applying payments on my mortgage. They have also sent me conflicting payment notices as well as payoff notices. Their Bankruptcy department sent me a ledger which is in conflict with the payment history from the servicing side of the company. Over the last 2 years, they have taken payments and rejected others without explanation. They have even sent back payments to me that belong to other account holders. Based on the above, I can not determine what is due. I wrote them a letter on XX/XX/XXXX and XX/XX/XXXX outlining the errors and attached copies of my bank statement showing payments made. I also included a XX/XX/XXXX notice from the Bankruptcy Trustee that was filed with the court which indicates that there were no objections to the Trustee 's final report, essentially meaning that I paid everything to cure the default. In my letters to Shellpoint, I indicated that I wanted to have the information corrected so that I could apply for loan modification. They have failed to provide a detailed response addressing my concerns or make corrections. Instead, they have rejected my payments and on XX/XX/XXXX referred my loan to XXXX XXXX XXXX law firm to start the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am devastated by the response I received from CFPB. I submitted a complaint, complaint # XXXX. I stated that the person trying to collect may not be a real party of interest. The servicer wrote you all letter and you closed the complaint. Did you even read the letter. I will attach it here. The letter states the loan when in default in XX/XX/XXXX. How can they be foreclosing on a property that is not even 30 days late. 

In order to say yes I am late I would have to believe a debt is owed to the person attempting to collect and I do n't believe a debt is owed to them by me. 

I need you all to really look into this for me. The assignment that they submitted to a trust that closed in XX/XX/XXXX. Please see the attached PSA. If you go to the definition of cut-off you will see the Trust cut off XX/XX/XXXX. No non performing loan can go into a trust after that cut off date as it is a violation of IRS code 860 A-J. That could possibly be criminal behavior. 

Please investigate this. I am contacting the IRS and the FBI on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
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:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Was not notified of investigation status or results

Complaint:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed 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 2020-09-09
Company: Uplift, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX  report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: NC
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:
I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

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 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 2022-01-05
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a phone call from IQ data international Inc [ phone number : XXXX ] a debt collection agency inquiring about an open debt in Florida where I appear as the debt owner or co-signer of {$12000.00} related to a moving service or a storage facility back in XX/XX/XXXX in Florida. I explained that I have never lived nor know anyone in Florida and that I didnt recognize the debt she was referring to. She started to request my mailing address that I didnt disclose and she tried to convince me that the call was legitimate by saying my XXXX ( which was correct but she could have search on social media ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2021-11-10
Company: American First Finance, Inc.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Bread Financial Holdings, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX COMENITY CAPITAL BANK added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, COMENITY CAPITAL BANK has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and XXXX Credit Bureaus last month. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : MIDLAND FUNDING - XXXX Balance Owed : {$830.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$1700.00} ; MIDLAND FUNDING XXXX XXXX Balance Owed : {$3100.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$5800.00}

Company response to consumer: Closed with non-monetary relief