BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 credit report with your agency is still reporting two erroneous accounts in the derogatory accounts section. A collection with XXXX XXXX and a Public Record with a Bankruptcy Court in XXXX, Al. I've asked you before to verify and send me proof that these items belong to me. I haven't received anything in over 3 months. After doing my own investigation I have received letters from both accounts verifying these arent my accounts. The two letters are attached. Please delete these accounts as soon as possible. Thanks.

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 2021-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2021 I submitted a request, in writing to have an inaccurate account removed from my consumer file. Not only does the account remain on my report, I have yet to receive any correspondence stating the dispute has been opened, along with any status update. It is my understanding that all investigations should take no more than 45 days. 

In addition, I've never given the alleged creditor or Experian my explicit or implied permission to report such account on my credit file. This account is impugning my reputation as a consumer and Experian along with the original creditor or in violation of several FDCPA laws and I will be seeking restitution for each violation if my requests isn't satisfied.

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 2020-05-23
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:
These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be back.

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 2018-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX stayed at extended stay hotel for 1 night. Went with girlfriend I had buisness so slept then went to first job the went to second for rest of night. Checked in around XXXX XXXX  left around XXXX XXXX  never came back. Girlfriend stayed allegedly had party cops were called. The next day I get text from bank on XX/XX/XXXX that XXXX was deducted from account it was the hotel saying that a whole was in the wall and somebody smoked in the room so I call hotel manager was very disrespectful just said there was damage and I said from what he said you know and belittled me hung up on me tried to call again he hung up tried to call corporate after over an hour on hold I gave up contacting them. Didnt get receipt until XXXX from motel. Told bank to stop payment on charge filed complaint got denied learned that the charge was credit since I didnt furnish pin so ask for chargeback bank is now dragging there feet. Wont give me credit until investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I was under a mortgage forbearance with XXXX XXXX that started in 2020. I also did one other 3 month extension with XXXX. In the meantime, my loan servicer changed from XXXX to Select Portfolio Services ( SPS ). According to what XXXX told me, SPS would honor any agreement I entered into with XXXX. XXXX told me about the many options I would have to pay off the balance at the end of the forbearance. XXXX stressed to me not to worry and that SPS would honor any previous agreement. XXXX told me I can add the forbearance balance at the end of the loan. 

SPS did not give me this option. SPS only gave me the option of a repayment plan to bring my payments current. They want me to spread my payments over 24 mos. This would increase my current mortgage payment by around {$520.00} each month. This is not affordable. 

The only other options being offered by SPS are non-home retention that includes only a, 1. Short Sale or 2. Deed In lieu of foreclosure. I have not been given any other options. Currently, my family and I are afraid of losing our home. The letters I receive from SPS indicate starting foreclosure proceedings. 

SPS is telling me the only reason why they are giving me the high repayment plan, and nothing else, is because of the private investor. This is the only answer I receive. I am ready and can resume making my mortgage payments but it seems as though I'm being forced out of our home and into foreclosure. I asked if they can put the balance at the end of the loan, or do a modification and I was told NO. SPS told me the reason is because that's what the private investor wants. 

There seems to be a disconnect between what XXXX told me and what SPS is doing. I was led to believe by XXXX that I have other more reasonable options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: DISCOVER BANK
State: TX
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:
I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX  Credit Report is not a Hard Inquiry. I beg to differ. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX  Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. 

Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? 
Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. 

You have 11 Inquiries Inquirer Name XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Open Dealer Exchange, LLC
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 700 CREDIT/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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 XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX 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 2020-01-29
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On or around XX/XX/20 I recieved a letter from National Service Bureau , INC . Demanding a payment of {$13000.00}. This demand states that the lost to their client was in the form of an auto accident which supposedly occurred onXX/XX/XXXX. It names me and my wife but we were never in any accident on that date. The letter further states that if we dont respond in 5 days they would bring to have our drivers licenses and car registration suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent 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 2020-08-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I have 3 visa gift cards that I received for a birthday, but never used because I moved and I thought I had lost them. I recently found them, and discovered that the balance is {$0.00}. My cards have been charged inactivity fees until there was nothing left. I have contacted the customer service number on the back and they will not help. They tell me I should have called to report the cards lost, but how could I do that if I didnt have the card numbers to give them? I ask to speak to a manager but they say there is no one available and they just redirect me to US Bank, the bank that issues the card, but they give me no number to call. When I asked for a number they said to just XXXX US Bank. What kind of customer service is this? They also said all they could do is submit a fee reversal request. I asked when I would hear back from them. They said I had to keep calling back, but they could not give me a time frame. That was 1 month ago and still they say nothing has changed and there is no place to complain to. I have read a lot of reviews for this company similar to mine. I honestly think this is a gift card scam that is just tricking people into to buying gift cards that they will never get to use. This company is tied to US Bank apparently, but when I reached out to US Bank they said they can not help. This company should be investigated for fraud.

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 2020-01-29
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I haven't received any physical notifications of the origins of the debt, amount owed, potential due dates or notifications that my debt was going to a collector. This debt was also incurred by me being a victim of a tragic incident ( surprise shooter ) who got away. I was XXXX at the time and my credit is suffering drastically because of this mass collection amount on my report. I looked into potential avenues to help consolidate this debt through the hospital and they only had some outrageous payment plan that I had no way of affording on a monthly basis. I'm still looking for various avenues to consolidate this debt through the XXXX XXXX XXXX due to the incident taking place in XXXX Virginia. I was XX/XX/XXXXXX/XX/2018, rushed in an ambulance, and was probably charged an outrageous amount for medical care from the XXXX XXXX Hospital. The collection debt is {$8800.00} and was opened XX/XX/2018. While I was in college striving to graduate no attempts to rectify this debt with me was attempted prior to sending it to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I completed a lease with Lexus XXXX in XX/XX/XXXX after having purchased the following vehicle : XXXX XXXX XXXX, License Plate XXXX and now Plate : XXXX XXXX. VIN : XXXX To date I continue receiving threatening letters from Lexus XXXX requesting payment for alleged exorbitant excise tax payments Lexus allegedly made to the City of XXXX but have not seen a copy of these payments nor even a copy of these bills. I am also QUITE confused as to why they would allegedly pay an exorbitant XXXX tax bill for a XXXX vehicle that I owned as of XX/XX/XXXX and was out of contract with in XX/XX/XXXX. 

Attached you will find the letters I am receiving. I feel I am being extorted by Lexus XXXX  and this needs to END!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Reliant Capital Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Thank you for addressing my concerns. 
XXXX  XXXX College college continues to use aggressive along with scare tactics to collect a debt. The Representative refuses to disclose name and location. As the conversation continues, the company uses harsh tones, wants payments up-front, and continues to compromise my credit score along with creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
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: Was not notified of investigation status or results

Complaint:
On the XXXX of XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XXXX of XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XX/XX/XXXXXXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on 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 2018-12-04
Company: Experian Information Solutions 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:
Greetings, I have previously contacted XXXX, Experian, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, Experian, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX to follow the law, they clearly feel as though the law does not apply to 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: SAMUEL I WHITE PC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In 2007 Samuel I White PC allowed XXXX and XXXX XXXX XXXX to misuse a poa and steal XXXX mortgage that XXXX XXXX XXXX and I had on our home at XXXX XXXX XXXX XXXX, XXXX Virginia. They stated it was a short sale. I signed paperwork that appeared to be for short sale but found out later it was sold out right for XXXX. Samuel I White PC allowing XXXX XXXX ( mother in law ) to file bankruptcy and refinance the mortgage. Hiding the assets in her name. All unbeknownst to me. I continued to pay half of the mortgage for the next 2 years. 
XXXX XXXX having multiple ( 12 ) deeds of trust on her home at XXXX XXXX XXXX, XXXX, Virginia XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TOLEDO FINANCE CORPORATION
State: TX
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:
Toledo Finance Corporation has stated that they do not know who I am. I informed them that I have never attempted to get a loan from Toledo Finance Corporation. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in Print Toledo Finance Corp XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX

Company response to consumer: Closed with explanation