BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: CCM Finance LLC
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX - I needed to use my Wellsfargo Credit Card, and it was declined. So I called customer service and was informed the account was closed. At this point, I have not received notification from Wellsfargo about the unilateral decision. I had no balance, always paid my bill on time, and been a Wellsfargo Credit Card holder since XXXX. According to the customer representative the bank had not sent a written notification, and was unable to let me know when will I be formally notified.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX ; XXXX  and Transunion should not be reporting a current balance of {$900.00} as well as ( 120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-08-30
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried to refinance our mortgage with CitiMortgage. The appraiser ( that we had no input in ) valued our home at least {$30000.00} to {$40000.00} less than what it could be sold for ( people in our neighborhood have sold for good money ; the appraiser was biased because we have a trailer park we share a fence with ). We were told to get a XXXX loan for {$2200.00} and that would cover all closing costs. We were told if we sent paperwork by XX/XX/XXXX we could close on XXXX. We were asked to send banking information proving the XXXX loan money twice along with other banking transactions. When we asked if we were still on track to close on XXXX ( we emailed on XX/XX/XXXX ) we were told we are not on track and now we need {$3000.00} more to close ( they never mentioned this before we asked ).  XXXX from Citi acted like she had never heard of someone stating a closing date ; which we have proof showing SHE told us a date. We asked well before closing and taking the XXXX loan on XXXX about the discrepancy from original contract of {$340000.00} and updated contract info of {$330000.00} on XXXX but were not given a straight answer. I was a Citi customer for a decade with my last mortgage ( never paying late ever ) and now they have made it impossible to communicate with us or refinance with them in a professional manner. The communication is awful and the lack of answers on Citi 's part is disgraceful. I have all of the emails and I am willing to send you everything. Please review.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
onXX/XX/XXXX I filed a dispute with Transunion. They have failed to reply.

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 2019-09-11
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: Account status incorrect

Complaint:
Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

XXXX XXXX, Experian & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,

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 2020-08-20
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:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

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 2020-10-12
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Open Dealer Exchange, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
Dear Experian XXXX  XXXX  I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX is marked 30 days late on Experian and on time with XXXX. This account is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked 60 days late on Experian but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on Experian but 129 days late on XXXX. Delete immediately Please expedite

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 2018-12-21
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-09-11
Company: Bonneville Billing and Collections
State: MD
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:
On XX/XX/19 I sent a request for validation letter to Bonneville Collections. In my request for validation I specified that it should be in accordance with the FCRA, to include but not limited to copies of any papers that show that I agreed to pay what they say I owe. On XX/XX/19 I received a response from Bonneville Collections which only included an itemized statement of services and charges of { {$3900.00} + {$2900.00} to equal {$6900.00} to which they have continuously added interest, now reaching {$2700.00} to bring it all to a grand total of {$9700.00}, and counting } which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. As a result of medical procedures being listed on this statement, not only was this NOT proper and correct validation but also a clear violation of my HIPPA rights. These actions are also violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and a defamation of character. This debt collection agency has been falsely reporting indebtedness on my credit reports for nearly 7 years and has highly negatively impacted my credit reports, scores, and not to mention my quality of life as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted RS Clark and Associates regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 RS Clark has ignored my request despite it being 72 days since they got the letter. They have not proved this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. Capital One XX/XX/2020, XXXX XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, Capital One XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, Equifax and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-06-29
Company: SYNCHRONY FINANCIAL
State: FL
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: Other problem getting your report or credit score

Complaint:
On XX/XX/20 I applied for a Verizon co-branded VISA with Synchrony Bank. I was approved, but on XX/XX/20 I received a notice from Synchrony Bank advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1. Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my XXXX   report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX is suddenly missing from my XXXX report, possibly due to a transfer of that loan from XXXX to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted Synchrony Bank and was advised to contract XXXX. I contacted XXXX, and they provided a copy of my credit report which does not match up with any of the reasons stated by Synchrony Bank as to why my score was low per their review. 

I need to see the reason why Synchrony listed these reasons for my score. Their source, XXXX, does not seem to provide any basis for this.

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 2020-10-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. 

I was told by customer service this is not possible, and no alternative was given. 

I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX  : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? 

The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Regional Management Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am approximately 2 payments behind with Regional Finance. I paid them in XXXX. I asked if there were other payment options that I could afford, but I was told no. The company repeatedly calls my phone or job multiple times per day. If they can't get an answer from the store that issued the loan, they will call from other Regional Finance store somewhere else. I have received numerous calls on today already. I'm asking for them to work with me to establish a reduced payment. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-09-11
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My daughter is XXXX years old. Venmo does not permit minors to open an account. However, she opened an account by lying about her age. 

My daughter is using Venmo, overdrawing from her checking account and incurring fees. Clearly she is not mature enough to handle this level of financial responsibility. As her father, I want to protect by daughter my closing the Venmo account I contacted Venmo via online chat on XX/XX/2019. They said they would not speak with me about my daughter 's account until she contacts them and gives permission. 

My daughter will not call Venmo and take actions that ultimately lead to her losing the account. I am stepping up as her parent to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation