BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
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: Problem getting your free annual credit report

Complaint:
Attempted to obtain my free credit report via XXXX and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by XXXX  Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

Experian is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My wife and I have a mortgage with XXXX XXXX. Due to the COVID-19 pandemic and loss of income from my employer, we took advantage of XXXX deferment program for 4 months. We were specifically told that using the deferment option would not have a negative effect on our respective credit scores. We just recently started to pay the mortgage again ( XX/XX/2020 payment ). Both my wife and I were shocked when we received alerts that our credit scores has dropped ( 4 points for me and 27 points for my wife ) due to significant delinquency reported by XXXX XXXX   company. On XX/XX/2020, I called XXXX XXXX  to complain. The customer service representative stated that XXXX was under the impression that any data shared with the credit bureau was NOT to impact our individual credit scores. The customer service representative stated he was sorry, but once the information is shared with the credit bureau, it is out of their control what the credit bureau does with the data. I feel that we were mislead and thus, we are filing a complaint.

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 2019-07-22
Company: BANK OF THE WEST
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Loan was requested for a new RV thru XXXX XXXX ( Essex credit ). The day after the loan was funded ( XXXX ) I recieved a call from a stranger in NY ( XXXX ) miles away stating they had recieved all of my personal information in the mail, from XXXX. At this point the stranger in New York is able to tell me my wifes and I Social Security numbers, address, wages and anything else that one would hope a bank wouldn't carelessly give out. I immediately reached out to the loan officer XXXX XXXX and explained that I was very upset that they would let this happen, and I expected some answers. XXXX said I would hear somthing back from his boss the next day. A week went by and I never heard anything, so I called XXXX back and he gave me his bosses number. I called XXXX 's boss and he said that they were sorry but it was just a human error ( he didn't seem to take it as serious as I think it should be ). He did say that i would be recieving something in the mail explaining what they were going to do about the error. As of today XXXX I have never recieved any letter or even a phone call to explain what's going on. The bank gets off free and will still get thousands of dollars in interest with no consequences to the damage that has taken place because of their misstake.

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 2018-08-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX claimed for {$310.00} current balance in my name but I never had a XXXX XXXX credit card and never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Terrible company closed all of my accounts and atleast 12 different people I know during the pandemic theres business and then there is heartless and just completely rediculous even if my issue is resolved definitely plan on making sure their actions are made very public Creditors established payment arrangements for people and were naturally backlogged in getting the updated with the bureaus i was clearly never late prior or since they shutdown my Wayfair Card much like everyone zero warning then when you got to make a payment they act like youre bothering them. Went to use express card says I cant must have closed that with zero notice to customer service rep said its still open but unfortunately community is very inconsistent Your own employees haha They already decreased my express card twice in a 3 month period meanwhile always pay early its paid off completely and was used recently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some  help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.

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 2022-08-08
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got quotes from 2 mortgage companies. I went with XXXX XXXX XXXX Sent cancellation to Rocket Mortgage and called this morning [ XX/XX/22 ]. The agent kept bulling me trying to get me to mortgage with them. I checked my credit card on XXXX and they put a XXXX dollar charge on it. Called to get credit back and their refusing to refund all my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is the second complaint. In XX/XX/2022 they closed my account in the name of XXXX XXXX  the last check I deposited was cashed by the bank but they did not give me the funds of {$10000.00}. 

The funds have not been returned to the company that gave me that check, I had to borrow to be able to return that money, since that company would accuse me of theft, I lost my job and my prestige thanks to Bank of America. It's been almost a year and until today they do nothing, they don't return the money to me, nor to my former client.

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 2023-05-23
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third party trueaccord & XXXX first emailed a bill through my husbands email saying I owe a charge card bill from 2009 XXXX & saying it was wrote off & can not affect or go on my credit but stupidly I called & Rep. asked my email address & DOB reluctantly I told her since she said she need it for me to file a dispute, What should I now do? A statement come in without where charges was made and my name look freshly printed on statement What should I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" I have disputed these collections multiple times, which are not mine, and the bureaus have not responded. Sect 609 of the FCRA explains my right to have the bureaus prove these collections belong to me. '' I have disputed these and have been given zero proof that this account is valid and belong to me. I have gotten no paper work on this account and this account has essentially reached it's 7 year Statue of Limitations sunset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
The complaint is about Experian, the national credit reporting agency. 

My complaint is about inaccurate and unverified information being reported on my credit report. The problem I am having is that Im explaining to Experian that 2 accounts listed on my report are not mine and I want them deleted. 

I wrote a dispute letter. Experian responded with a letter simply stating that the accounts are verified. I sent another letter asking Experian how they verified that the accounts. They sent me a generic response. They havent provided any proof of an actual investigation. They havent provided any proof that these accounts belong to me. Like XXXX did, I want Experian to delete these accounts for my file. 

Facts Are as follows : XXXX. ) Dispute letter sent to Experian disputing 2 accounts. Included with dispute letter is a copy of my XXXX report. XXXX recently deleted these 2 unverified accounts. XXXX recent deletion of the accounts is proof that accounts are invalid. They never belonged to me. 

2. ) I receive a letter from Experian stating that results of dispute are that the accounts have been verified. Experians letter provides NO PROOF that the accounts were actually verified or even investigated. 

3. ) I send Experien a letter asking them to disclose how they verified the accounts. I never had an account wit XXXX XXXX or XXXX XXXX so I asked for the documentation that was provided to Experian which proves the accounts belong to me. In other words, I sent a method of verification request. 

4. ) In response to my method of verification request, I received a post card from Experian on XX/XX/2020 simply stating the information is verified. However, they still have not provided any evidence of an investigation or proof that these accounts belong to me. 

5. ) XX/XX/2020 am forwarding my complaint through CFPB.

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 2020-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been working on my credit for years trying to keep payments on time paying off vehicle loans credit cards credit, it does not matter how much you pay off or down how many credit cards you get at ridiculous interest rates to build your credit your credit score goes down it never gets pass XXXX or XXXX because then you as a person of XXXX might get decent interest rates be able to afford something live better for old inquiries it stays on you credit never mind it takes your score down it's left on there for what reason, how long are the credit bureauls going to keep practicing rasism with people of colors scores my score is the same as in my XXXX it never went to a XXXX we start at 0 with high interest rates hospital bills have know become a new way to keep  these XXXX pesticides along with hard inquiries and stuff you don't know where it's coming from then you have to keep fighting to get it off even if you have insurance I have 2 hospital bills on my credit the whole time if been going to the doctor under the same medical insurance and these remain on my credit, we are being pushed out and given the highest interest rate and America says they are takeing care of all no you take care of XXXX America is you give us the lowest, this system that was put in place to systamaticlly take down as many XXXX and XXXX Americans with its unfair practices needs to be taken down and replaced with a system based on equality not XXXX because all 3 beaurals are guilty of this practice you pay off bills and your score drops no this was built to keep us just where we are at poor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello- I have a private student loan with Navient ( was SallieMae ). It was 2006. The school is The XXXX XXXX XXXX XXXX. The school is closed and has been for a couple of years. There was a lawsuit against the school and we the students won. My federal student loans were removed completely. 

The private loan was suppose to be removed as well and it did not. 

I do Not have a transcript, a degree, anything from the school due to the fraudulent activities they did. 

Navient is not looking into this matter and is ignoring my concerns and responses. 

The loan isnt paying off anything or towards any education received or earned. Navient removed personal loans from other students but not me. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX XXXX # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX Act # XXXXXXXX XXXX Act # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-03
Company: FC HoldCo LLC
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:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2020-09-17
Company: JPMORGAN CHASE & CO.
State: AZ
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:
XX/XX/XXXX between 0900-1000 hrs., while working from home, I get a call from someone saying they are a XXXX XXXX XXXX XXXX they have located a " flag '' in my recently purchased XXXX laptop . He explains the issue using a lot of computer verbiage and says he can repair it remotely and that it needs repaired immediately. I was about give them a credit card number when my husband walked in. I handed him the phone, since I was working, and he walked out of the room talking with the technician. My husband eventually hangs up on him and tells me to cancel my card. I call the number on the back of the card ; report the fraud call ; cancel the card and I'm issued a new one. 

Later that afternoon, I get an email from XXXX saying that an order for {$600.00} worth of XXXX XXXX gift cards had been declined and I will not be charged. 

XX/XX/XXXX I get my credit card statement and it has a {$600.00} charge on it from : XXXX Giftcards. 

XX/XX/XXXX I report it to Chase Fraud Recovery via both a phone call and an email. 

XX/XX/XXXX Chase send an email saying the charge was " valid '' and I am responsible for paying it. 

XX/XX/XXXX I send another email to Chase Fraud Recovery telling them that I didn't make the {$600.00} purchase. 

XX/XX/XXXX Chase Fraud Recovery sends another email again saying the purchase was " Valid '' and I am responsible for paying it. 

XX/XX/XXXX I call XXXX Giftcards and explain what happened. They agree to investigate it. 

XX/XX/XXXX I get an email from XXXX saying " we were unable to locate any charge or charges to your XXXX card. '' They suggest we contact Chase to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Round Up Ventures, L.P.
State: TX
Product: Credit reporting 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 was compromised and used without my permission Lendly loan XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
equifax, XXXX, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report

Company response to consumer: Closed with explanation