BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This American Express credit card account erroneously shows up on my credit file as charged off for {$4300.00} in XX/XX/2015  even though I never opened this account and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My reverse mortgage holder has been asking me for proof of insurance on my condo. I have sent proof of insurance 4 times, but the company is still sending me notices saying that they are going to purchase insurance and charge me. 

The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian, XXXX, and XXXX are continuing to report an outdated debt with XXXX XXXX/XXXX  XXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.

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 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.

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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had a XXXX card from you. In good standing. It was closed because you learned I had felony convictions. I've already talked to a lawyer who deals with the FCRA. He says these things are not found in credit reports. Since I gave you no permission to background check me, I believe you are in violation of federal law. He asked me to have you tell me where you got my information before we move forward legally. Just told me today if we get no response we will be sending a letter by certified mail to your legal department. Please put me in touch with someone on your legal team to tell me how you have my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX and they immediately closed the application and said the inquiry would be removed from my Transunion credit report. I contacted them again in XXXX when the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted Transunion and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint Transunion never responded to.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

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 2018-09-18
Company: EQUIFAX, 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:
XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.

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 2021-02-21
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
The following accounts appearing on my credit report are fraudulent : COMENITYCB/XXXX XX/XX/XXXX {$0.00}, COMENITYCBXXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, COMENITY CAPITAL BANK {$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX  credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX  ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: LendingPoint Holdings LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have told LendingPoint on XX/XX/2019, to run my debit card payment i have on file because i would be out of town for three weeks and would not be able to check. This was very important they did this because im scheduled to close on my home equity line of credit on the XX/XX/XXXX which would enable me to pay them off and other bills to due the setback of Hurricane Florence and what is did to my family. Now im back in town and they have not only not taken the payment, they have reported it late to the credit bureaus and now i cant close on my home equity line of credit due to their negligence. This is not the first time they have done this and ive asked to speak to upper management many times and they tell me they will call and they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote Trans union on XX/XX/XXXX to XX/XX/XXXX asking them to remove an incorrectly reported tax lien on my credit report. I had written Transunion, XXXX, and XXXX   of which after a long process only XXXX and XXXX   removed the incorrect tax lien The tax lien was for Case # XXXX for {$820.00} that they listed twice The second tax lien was for # XXXX for {$270.00}. 

These liens were for a XXXX XXXX and due to her employer not reporting her withholding correctly. The court released me from the debt and the error. 
I sent the letter from the court to the credit companies but Trans Union didn't remove anything. Transunion reported it twice on my report. It caused me to have to pay over {$50000.00} in high interest for over 8 years. I had to struggle to get loans and it took me 18 years to buy my first home even with a VA loan. 

Also, they listed I have a 3-year credit history but I have paid loans since I was XXXX years old. My credit goes back 25 years.

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 2017-11-30
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX-2015 {$150.00} no contact signed do no owe debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.

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 2017-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX 
To:
XXXX
Bcc:


XX/XX/XXXX at XXXX XXXX

ON XX/XX/XXXX i wrote Portfolio recovery Associates and i asked them not to contact me by phone only by mail. I sent them a certified letter which they did sign.  I received a phone call from them at XXXX XXXX XX/XX/XXXX. They did not leave a message. They are calling on the land line and cell.  Please see the attached documents for your reference. This is direct violation of the FCRA rules. So far this does not appear to be a reputable agency and i am not happy with the quality of service and i wish to file a formal complaint.

I sent the above correspondence to XXXX

I also sent them a copy of the letter asking them to only contact me via us mail not by phone. Which I have responded to them by US mail in a very timely matter.

I also sent them a copy of the certified letter which has their signature that they did receive the letter

I also sent them a picture of my cell phone log showing them Portfolio recovery calling me on XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been batting with Equifax for a year about this items on my credit file. I have disputed them sending documents and they have investigated and sent the results back to me. That these items have been deleted from my credit file. And that they have done everything so that these same items want reappear on my credit file. So a year later these same items and companies have reappear back on my credit report causing very harmful to my credit score, causing it to drop. When contacting them they seem as if they do n't know what i am talking about. When these are the results that they have sent to me after investigate it, After sending in a copy of their letter head with their logo on it showing their investigation that they have completed. That these items have been deleted and that they have showed back up on my credit files. These are the accounts as follows : Confirmation # XXXX on XX/XX/XXXX/Accounts # XXXX, {$25.00} # XXXX, {$110.00} Confirmation # XXXX on XX/XX/XXXX/ Account # XXXX {$50.00} and accounts # XXXX {$37.00} and {$210.00} CASE NO.XXXX on XX/XX/XXXX was deleted and showing back up on my credit files as XXXX balances. But as they reappear causing a impact to my credit scores causing it to drop. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: CBC Companies, Inc.
State: IL
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:
Innovis is reporting multiple accounts for XXXX XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing this letter to address the harassing behavior exhibited by Sallie Mae toward me and my family. They are a behemoth whove been enabled by the current economic and higher educational climate to intimidate and bully us well-meaning and patriotic Americans!!! 

Their threatening phone calls occur during all hours of the day starting at XXXX XXXX  and continuing unrelenting until XXXX XXXX  daily. AND even on Sundays! 

My sons XXXX and XXXX, as well as myself XXXX XXXX XXXX, are all cosigners for my granddaughter XXXX XXXX XXXX XXXX. The XXXX pandemic, as well as her hospitalization for health issues, as well as unemployment stemming from the challenging economic climate, led to her difficulty and delinquency trying to meet her student loan obligations. She is now working two jobs to help pay down her debt.

I am a senior citizen on a limited income from a career as a civil servant trying when I can to help her financially on occasion. This Sallie Mae is a coldblooded institution. Theyre trying to get blood from a stone from a responsible and conscientious young adult who is paying monthly and not seeing any results.

As far as the consequences are concerned from my perspective, at the start of XX/XX/2020I had a credit score of XXXX. It is now in the XXXX range, as is also the case of my sons XXXX and XXXX, whom also had exceptional credit scores.

Why cant they combine the loans, make it one payment so we can see where the money is going? Interests and fees!?!? Are you kidding me? None of us know where the money goes to or which account. They do not make it easy to understand their billing statements!!! I feel they are robbing these kids blind and they will never get ahead for years to come.
And us hard-working Americans who support our children are offered up as collateral damage so these corporate monoliths pad their fat wallers and leave our kids indebted to these thieves for life!

Hopefully Sen. XXXX XXXX can help with this problem, along with Congressman XXXX. I am imploring your help and expertise to really delve into the hidden numbers game, obnoxious and intrusive communication tactics, and predatory lending practices which exploit our youth who seek higher education to better themselves and society as a whole. 

Thank you for taking time to consider this matter, and I would greatly appreciate further personal dialog on this subject if you would be so kind! 

Very truly yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my car and my old loan was closed with credit acceptance. However credit acceptance is still charging my account when no funds are due to them as they have been paid in full by my new loan holder.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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