BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: LoanCare, LLC
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:
The issue at had is with my current mortgage company Loan Care. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.

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 2021-11-08
Company: EQUIFAX, INC.
State: DC
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Acct # : XXXX Dear XXXX XXXX XXXX, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XXXX and by XX/XX/XXXX it was already added to my credit report which has  grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 have disputed with XXXX 's XXXX and Synchrony Bank about a card that does not belong to me but it had my name attached to a different address, and different card number that they are saying I owe. I own a card that I pay on time faithfully every month. I started trying to fix my credit and trying to address the issue but not having any luck. Below are some of the key points pertaining to this card * Seems there were 2 numbers which are associated with this card but don't match the card I own XXXX XXXX * It seems as though Charges were made over the internet mostly *Address is different/ card number is different *How did bank let card run up to XXXX? 

* Transactions shouldve looked suspicious from my normal use * Who called in to make a XXXX payment? 

* Why wasn't I notified of any unusual behavior? 

* Dispute Letter was sent and no proper proof was sent back accept a statement of transactions saying I owe. 

I will also send docs over to verify proof of everything.

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 2018-01-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27
Company: Bread Financial Holdings, Inc.
State: TN
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: Billing dispute for services

Complaint:
I bought a dress from XXXX XXXX XXXX in XX/XX/2018 for a discounted price of {$54.00} of an initial price tag of {$89.00} but Comenity Bank issued me a bill of {$170.00} for this one item, I find that this is not the first time Comenity Bank has over billed for a dress, this was also done with their shop XXXX. I made a complaint in XX/XX/2018, XXXX XXXX XXXX/ Comenity Bank then wrote to 4 other credit companies in an effort to negatively affect my credits score in spite of the issue being their error. I then replied to all the credit agencies attaching all relevant receipt and statement. Then XXXX XXXX XXXX informed me after many letters and call to them that they are investigating the matter. I did not receive any info from them but suddenly saw a credit of over {$79.00} credited to my account. I wrote for clarification but they informed me that they are still investigating only to find online that Comenity Bank through XXXX XXXX XXXX has deducted some inexplicable charges " late '' from the amount they unilaterally credited to my account, all efforts to get Comeniy Bank to explain and to rectify the issue has come to naught. In stead Comenity Bank is more interested in giving negative reporting to the credit bureaus knowing very well I do not owe them and knowing that I pay my bills way before the due date as verified by payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While attending the University of XXXX, in XXXX, I was forced to take a leave of absence due to a major family tragedy. Before leaving, I made sure to pay every dollar of every loan I took, so that my balance was XXXX. Two years later, I attempted to go back in order to complete my degree, in the fall of XXXX. Financial aid was now much harder, I had no choice but to take out approximately {$14000.00} for my first year- a combination of Federal ( Stafford , Perrkins ) and private ( Citi Assist ). As, I did not have financial support from home, after two semesters back in school, I realized that I could not afford to finish my degree. I was not able to focus on my studies with the stress of needing to buy food and worrying about not having a place to sleep. Therefore, once again, with no other option, I left XXXX for good, in XXXX XXXX, giving up on the dream of finishing my education to financial hardship. Not only was I not able to complete my degree, but I now had {$14000.00} debt over my head. I was sad to be forced out of school after trying so hard, but I had no choice. I took on three jobs, at time four jobs, and began paying off my debt with any money I had left after paying basic living expenses. I worked 24/7 to pay off my new college debt, and for the first 5 years knocked down my debt from {$14000.00} to approx {$8000.00} in various Citi Assist loans. When I struggled to make payments, my debt was transferred to a collection agency. I begged for help but they wouldn't budge. Finally, I managed to to reach a settlement and consolidate ALL OF MY LOANS INTO ONE LOAN, in the summer of XXXX. which I paid off in blood sweat and tears, bringing my balance down to XXXX. To my horror, despite having PAID MY LOAN IN FULL, my credit report reflects that there is still some Citi Loan. This is a brutal mistake, as everything has been paid already. I have records of this, and I received a letter stating " I paid ALL of my citi loans ''. I am desperately looking for my old hard drive from 7 years ago to find these documents. 
I can not begin to describe how unjust, unfair, inhuman, and cruel it is that after everything I've been through, and having working harder than anyone can imagine, and having paid all my debt in full, there still appears to be a debt on my credit report, which has caused me more damage than I ever explain. 
I plead with you to look into this matter and see how cruel and unusual this is.

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
We filed a federal lawsuit against (5) major banks on XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX. XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX No. XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF XXXX XXXX  DIVISION ~ Judge XXXX XXXXXXXX. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!

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 2018-03-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$700.00} to XXXX XXXX XXXX on XX/XX/XXXX. They confirmed it had arrived on XX/XX/XXXX. Coinbase claims they can not find the {$700.00} and has not credited my account or sent the money back and it has been 53 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Information belongs to someone else

Complaint:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXXXXXX XXXX XXXX XXXX my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX car loan. 
police report case XXXX and FTC reference 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 2020-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not 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