BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am a victim of identity theft, company XXXX XXXX XXXX has been reporting negative XXXX XXXX account that is not mind this company is violating my rights this Account XXXX was dispute on all 3 credit bureaus and remove,XX/XX/2017 this company is out of order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually closed.

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 2018-07-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: LD Holdings Group, 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: Information is missing that should be on the report

Complaint:
My mortgage company loan Depot is not reporting my mortgage payment I reaffirmed my loan after my bankruptcy was discharged they charge me a fee for doing so XXXX and XXXX they have not yet reported my loan payment my mortgage to either credit bureau please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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: Personal information incorrect

Complaint:
I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH 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 2020-10-15
Company: HILLTOP HOLDINGS, INC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a forbearance in XXXX XXXX and XXXX. And end of XXXX i decided to end my forbearance because of going back to regular hours of my job. I made some of my total debt and after couple weeks i called again to pay rest of my debt bc of forbearance. Person at phone told me that there is a new option XXXX  XXXX  brought and told me to put my debt to end of my mortgage payment and i can start monthly payments with no interest or anything. Person at phone also told me not to make any payment until i receive some papers by mail. I wait weeks and weeks. Called them end of XXXX andXX/XX/XXXX times. Each time i call they said i will receive papers and let me wait. But at other hand primelending kept sending me bills to make payments all of them once. Each time i make a call they ask me to pay and i remind them i had applications for put my debt to end of mortgage payments. Their answer is " well i will take a note here '' this situation scares me that one day i will get forclosure papers. Please do something. It's so stressful situation. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I generally ask for a credit report from each credit reporting company once each year, using the toll free number provided by the government. I last received a report from Experian in XXXX, XXXX. Since XX/XX/XXXX I have tried twice to receive another report from Experian. Instead of sending my report, I received a postcard from Experian asking for the same information I gave over the phone, plus a a copy of a government ID such as a drivers license and a copy of a utility bill, bank or insurance statement. I have never been asked for additional information before by any of the credit reporting companies. I received a copy of my XXXX  credit report in XX/XX/XXXX without supplying additional documentation. I asked for my XXXX  credit report today and I do not anticipate the problems I have had with Experian.

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 2017-08-02
Company: Resurgent Capital Services L.P.
State: CO
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:
None of the above options really relate to my issue but here 's the issue I 'm having. I paid off a judgement about 6 months ago and satisfaction of judgement has not been recorded. I have repeatedly tried to contact Resurgent but can not get any response or copy of release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.

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 2021-05-07
Company: Experian Information Solutions 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:
XXXX  XXXX  XXXX  Auto Financing XX/XX/2019 Experian XXXX XXXX IN Auto Dealers, Used XX/XX/2019 Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/2019 Experian XXXX Sales Financing XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I received an email that my credit account ending in XXXX was late and the payment was due for {$230.00}. I am not sure why the payment I late as have it setup on reoccurring payments. Please review as I have never been late on my account before. I need for my account to be reviewed and If anything has been effected I need it to be corrected. As, I received a notification on XX/XX/2018, and I was never notified about any late payments prior too. I need any late fee or additional interest waived, and if any credit reporting has occurred removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
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: Other problem

Complaint:
I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX  AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with TRANSUNION ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. TRANSUNION is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " XXXX '' ... it's AKA.

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 2018-04-30
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Guaranteed Rate and I been trying to do a loan mitigation/modification as I am in the middle of a divorce and I don't want to lose the house. We have tried for 4-5 months now to get a response from the bank and they are continuing to give me the run around and not provide any assistance. They continue to find something new to delay the process with or give us the run around for weeks. 
We need help. I am currently paying {$3000.00} dollars a month, I have loss some contracts and my income has dwindle significantly. This has caused my credit to fall, my wife inability to do the same because of their run around. We feel discriminated against to the way they have handled the account. They did not even put my wife in the mortgage breaking the law of home bound as my wife as a right to claim the property and a place to live. This has been going on since XX/XX/ as far as I can recall when we started asking for help and here we are in XXXX and still no response. Not even a guidance from them. All they keep sending is late payment notices but nothing in relation to loan mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-04-30
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and noticed 1 derogatory mark from Diversified Consultants Inc. In my report it is claimed the account is mine, which it is not. I have submitted several letters and done disputes asking for validation of the debt baring my signature or contract and have no received such information. Only thing I have received is itemized letters which do not count as validation and actually show different balance then what is being reported on my credit report. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Real Time Group, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filled a FTC IDENITY THEFT report. I called Real Time Resolution and gave them my reference number for the idenity theft report. I felt by the way I was treated over the phone they really were not worried about this being a fraudulent account and more interested in collecting money.. I asked for the account to be deleted from credit bureaus and the conversation still seemed focused on me paying them.. I am a victim of identity theft and they refuse to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions 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 received a copy of my credit report, I notice a hard inquiry that was fraudulent. I called Experian and explained to them that I have been a victim of identity theft, also ask them to remove the fraudulent hard inquiry from my credit report. Please removed this fraudulent hard inquiry from my credit report, thank you very much for your help. XXXX XXXX XX/XX/2017 2017

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 2020-05-31
Company: National Business Factors
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment in XX/XX/XXXX for the XX/XX/XXXX cycle. It reflected a double payment in that month and the credit company reported 30 days late to my credit report. Customer service manager ( XXXX XXXX # XXXX ) was rude and unhelpful in clearly explaining why it was reported that way. No one from the company contacted me or my wife to alert us to a potential problem. It appears that they were more interested in collecting fees than advocating for their customer. When I called back to report document a complaint I was put on hold for 30 minutes and was then told that their " system '' was down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
Company: Prosper Marketplace, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I was notified by an agent of Prosper, employee # XXXX, that my payment was 7 days late, this was the first payment due. I had set the account up for auto payment and submitted all the correct account info to Prosper evidences by the fact that same info was used to transfer the loan proceeds to me. As I spoke with the aforementioned employee it was uncovered that Prosper had made a data entry error and was missing one number in my bank account number. I provided the correct number and agreed to have them take the payment they refused stating I had to authorize a new account. I explained that this was not a new account, they agreed but stated that they wouldnt take the funds without me adding a new account. I was transferred to a supervisor employee # XXXX, she confirmed they would not take my payment unless I authorized a new account basically stating the error was my fault which it clearly is not. The kicker is that they have charged me for a failed payment. I asked that the payment be waived and they confirm that there were no fees applied to my account and no credit reporting. The supervisor only said she would request this but couldnt tell me if that would 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 2020-07-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed multiple items with XXXX  & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL

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