BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in reference to a Discover Acct ending in XXXX. I am lodging a new complaint in reference to a adverse decision that Discover made in a complaint that was closed. Complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage is keeping money about escrow that has been modify and I dont suppose to pay taxes every year for the time they got mortgage I informed the i am tax exempt disable veteran and I sent the all documentation about my exemption but they continue to bill me and ask and take my money

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: VA
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 had an incorrect late payment reported on my report without me knowing it for 8 month from XX/XX/2017. I only found out about this when I was denied a home equity loan. After dealing with each credit reporting agency, I did get those late payments deleted, however, my credit score was still massively lower- XXXX down to XXXX during this process. It is entirely unreasonable and inappropriate for 1 late payment over the course of 20 years of credit to drop my credit score by 85 points and take it from excellent to marginal. This is unacceptable. Consumers should have free and available access to their credit reports and scores and be notified of any changes up or down by any agency that is touching a consumers credit. In fact, I do not believe private companies should be able to hold this power. I urge CFPB to look into making credit scores available to consumers and the process by which the scores change public. Consumers should understand what and by how much their credit score will change with any given infraction or action. Please protect consumers and take the guesswork out of credit reporting and scores.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

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 2022-08-10
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Been reporting fraud on my credit report, a lot of unknown inquiries TransUnion fail to investigate under FRCA 1681i, Mailed my FTC fraud report in via certified mail and they still fail to investigate.

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: 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 status incorrect

Complaint:
I Mr.XXXX  XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX XXXX account # XXXX opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/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 2020-07-22
Company: Experian Information Solutions Inc.
State: CT
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., XXXX never furnished proof of purchases With Over XXXX  of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.

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 2019-10-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX  IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: ROBINHOOD MARKETS INC.
State: FL
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 with product or service terms changing

Complaint:
Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the XXXX and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXXXXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: LoanCare, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 2nd mortgage. I had an insurance claim. the 2nd mortgage company held the insurance claim payments and required the contractors to provide a waiver of claim. I then had to pay the contractors out of my pocket for the work. The work was completed. The work has been complete for a long time. It took about a month for them to send and inspector and now it has been 2 additional months and they still have not released the funds. The original roof contractor completed the work 2 years ago and that was cleared by XXXX. But the loan was sold by Loan Care and they are holding the check because of them saying they do not have all the information and the roof contractor is no longer in business in my town. They are holding over {$17000.00} and the loan amount is {$16000.00} plus. They have all the waivers of claim from that contractor and the other contractors but they sitll will not release. I call almost daily and get the same song and dance corporate has to approve. While they are holding that money without interest they are charging me interest on the 2nd mortgage. If they would not have held the checks I could have paid off the mortgage with the funds I had to pay out of my pocket to get the work done.

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 2019-10-28
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 fraud alerts or security freezes

Complaint:
ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.

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 2019-10-28
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past month, I have been getting at least 10 or more phone calls per day from paypal credit. They are no leaving any voicemail. I have reached out to various | '' agents '' of theirs and telling them i am unable to pay the minimal payment at this time. ( it was XXXX ) I instead paid XXXX. With intention of getting this bill caught up. I've had a family emergency that utilized my extra funding. But with disregard to my requests of not receiving further calls throughout the day and night, they continue to come. PayPal continues to increase minimal due each month, making it that much harder to pay

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 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Kohl 's contacted me at a time reasonably believed to be inconvenient. On Sunday, XX/XX/XXXX, I received a call past XXXX XXXX. Kohl 's had been placing repeated calls for a partially owed payment within the month it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. 

So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. 

thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: NJ
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  Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also Experian is reporting a fraudulent XXXX credit card and same with 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account : # XXXX has violated my rights. Under 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 REVIEWED MY MOST RECENT CREDIT REPORTS AND THERE SHOWING INCORRECT INFORMATION. I HAVE WRITTEN AND SPOKING WITH THE CREDITORS REGARDING THIS ISSUE WITH NO RESULTS. THE FOLLOWING INFORMATION IS INCORRECT XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following inquires 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 2019-11-07
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill can not be placed into collections. You are attempting to collect a debt that is not owed. I am a veteran and received outside care outside the VA hospital. 100 % of the cost incurred was to be paid for. XXXX XXXX  has paperwork from the VA that reflects this and they have spoke with a claims representative who confirmed that my cost would be paid for and that they never submitted a bill. XXXX XXXX needs to follow the VA process in order to get paid. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with non-monetary relief