BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
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:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

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 2021-02-27
Company: C/C Financial
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had set up to buy some furniture. I decided i did not need that anymore and to cancel my order. I was told it was cancel. XXXX XXXX went to pick up the stuff i called and cancel out. I feel she acted as me to get the things i cancel. If they check id. There wouldnt have been a problem but they gave the stuff to the wrong person. After i called and cancel. Someone on there end did not do the job right and reported it to the right people to get this remove for my order. I had called and complain. They allow someone else to use my information to get things from the store. After i cancel out my order. XXXX XXXX had called them and picked up the stuff. She did not have my permission or the store did not have my permission to give anything away i had cancel out. They fail to check id. I never wanted this account open anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2018-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over a period of several months/years, we, the mortgagors, requested, on multiple occasions, to deed the property in question back to mortgagee with zero success. 

In spite of our multiple conversations and letters to Wells Fargo Home Mortgage, they completely ignored our efforts to resolve this issue amicably with the threat and/or execution of foreclosure proceeding. 

Every effort on the mortgagors part to resolve this issue was ignored and, as a result, the mortgage was foreclosed on. 

Since the foreclosure, Wells Fargo Home Mortgage has submitted erroneous data to the 3 major credit bureaus with impunity.

For several years, Wells Fargo Home Mortgage continued to send out monthly mortgage statements ( XXXX thru XXXX ) even though the mortgage in question had been discharged in XXXX. In addition, they were also subsequently reimbursed for some of the 'discharged ' mortgage balance after the mortgage was foreclosed on.

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 2021-02-27
Company: American Collections Enterprise, 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:
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX  shows the following misinformation : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX XXXX XXXX XXXX  {$120.00} ( XXXX ) XXXX. XXXX XXXX. {$120.00} ( XXXX ) XXXX the following : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$30.00} ( XXXX ) XXXX XXXX XXXX {$970.00} ( XXXX ) american Collections Ent. {$28.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$120.00} ( 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 2020-11-15
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had multiple issues with Goldman Sachs Apple Card. First being that Goldman Sachs declines multiple attempts to make a legitimate purchase at the retailer XXXX. Second the customer service representatives were ill prepared to handle calls related to declines related what they call " suspected fraud misuse ''. After verifying that these attempted charges were correct and actually attempted by me the card holder eight times and while assisted by Goldman Sachs customer service, the charges were still declined. Goldman Sachs then followed up with a restriction on the account for an unknown reason. Goldman Sachs also stated they did not have a way of issuing a letter stating that my account was closed after I requested that they close the account. I believe that the company my be bordering predatory practices with their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: CO
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:
There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.

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 2021-02-22
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2021, I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Telephone number is ( XXXX ) XXXX. I tried to obtain financing through their 3rd party company, XXXX XXXX. While I was completing the application on the agent 's tablet, she had me complete an application through Synchrony Bank. I did NOT authorize them to run my credit for Synchrony Bank as I knew that I would not qualify, but also Synchrony Bank runs a hard inquiry. I received notification that Synchrony Bank ran a hard inquiry from XXXX. I tried to contact XXXX XXXX and they told me to call Synchrony Bank. Either way, I did NOT give authorization for this credit check inquiry to happen.

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 2019-10-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair Collection and out keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I check my credit report and see that they are reporting the collection on my report which is damaging my credit. I asked for a validation of yet to show that I had a contract with them, also I dont owe the money I stayed in the apartment for 3 years which is normal wear and tear and I turned the key in on the day I was supposed to. I also asked the rental office to do a walkthrough with me and they refused.

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After filing a dispute company listed same account twice to further hurt 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 2018-05-03
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC is charging me for " hazard insurance '' products that I did not request, approve, or was notified of. I have sufficient comprehensive insurance through my insurance company. In the past 2 months, they have taken {$900.00} out of my checking account, without my consent. I filed this with the XXXX as well, but was told it'll take 30 days for the business to review, and I can't afford to lose almost a thousand dollars while they take their time reviewing. I'm not made of money, and will end up having to sell my house if they keep this up! They've already settled this issue with others years ago, and are back to their bad practices. 

This is also posted under XXXX CASE # : 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 2018-07-05
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below

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 2021-02-27
Company: Kriya Capital, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credence Resource Management keeps calling asking for personal information ( ss #, birth-date, etc ) before the will tell me why the are calling. I have called back trying to get information without providing personal info. I asked that they send me a letter with details of the issue. They say they need me to verify my current address, I told them to mail to the address they have on file. ( we have had the same address for 35 years ). 

There is nothing on my credit report showing an issue and we do not carry a balance on any credit cards. 

I believe this is a scam and want them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Company name : BRIDGECREST FORMERLY XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Case Date Opened XX/XX/2017 Case Date Closed XX/XX/2017 I purchased a vehicle from XXXX and was in a serious accident, the vehicle was totaled. I had full coverage insurance on the vehicle and therefore, XXXX  was paid in full by my car insurance. 

Bridgecrest remarks that the car was " PAID THROUGH INSURANCE '' Bridgecrest notes the Pay status is " Account paid in Full ; was a Charge-off '' I disagree that this is a charge-off since the the account was paid in full by my insurance and shows a balance of {$0.00} and a monthly payment of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine. I don't know who's they are. Can you kindly remove them?

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 2021-02-27
Company: EQUIFAX, INC.
State: GA
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:
XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XXXX and XXXX accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
Carrington Mortgage Services LLC has reported that our mortgage is more then 180 day due to the credit company 's. We do have a COVID 19 Pandemic Forbearance Plan with them. After call the company, We were told they didn't report our information the XXXX XXXX XXXX XXXX XXXX, however my credit score has dropped over a XXXX points in one month. 

CARNG TN MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: CA
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:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

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 2021-02-27
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I owe this company no debt. Failure to verify. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

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