BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to EXETER FINANCE CORP to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$320.00}

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 non-monetary relief
Consumer complaint received 2019-03-05
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:
XXXX, Teans Union, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account.  Other bank credit cards that I paid in full with XXXX balances and I cancelled the credit cards are reappearing after disputing with balances again!

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 2021-02-03
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, In 2005 I purchased a house taking an 80/20 loan. Around XXXX of 2020 I received a letter form PHH ( 2nd mortgage ) that the loan matures in XXXX  2020. I reached out to them about a dozen times to try to work out our options because the balance is around XXXX. ( made monthly payments for 15 years and the balance never went down ) Every time I'd call, I was on hold for extended periods of time, transferred, on hold, transferred, on hold ... etc., with a few dropped calls in between and never able to resolve the issue. When I would get ahold of an actual person, they would recommend me to their website to fill out a form for a loan modification ... .which I was denied. 

Called back multiple times through XXXX and XXXX and would only get the run around. 

I called PHH again in XXXX asking to speak with a supervisor, ( mind you this is probably the 8th or 9th time I called ) I got a hold of someone who set up a time and date for a " case manager '' to call me back on XX/XX/XXXX ... No call. I called them back to find out why I didnt receive their call only to find out they didn't have my correct information. I set up another meeting with the " case manager '' for XXXX XXXXXX/XX/XXXX at XXXX XXXX ... no call from PHH. 

Now we are in the beginning of XXXX, I call again and Im transferred multiple times to get other person to set me up with a meeting with the " case manager '' from PHH to call me on Monday XX/XX/XXXX ... .NO CALL AGAIN!! 

After multiple attempts, feel they don't want to resolve this issue. I want to get this situation straighten out but I can not come up with $ XXXX in one lump sum ... especially now in this economic Covid climate. Im constantly receiving mail from them with options of " Foreclosing '' on the house ... .This is not an option for us. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've reached out and let them know that the bill was disputed by the original creditor XXXX XXXX of am by a mistake on there billing end. Now they are sending mail and calling at all times to collect something that i dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my SECOND attempt to contact anyone at Experian. See my first complaint, # XXXX. Experian did NOTHING to correct the problem in their original ( canned ) response to me in that complaint. INSTEAD, here is my evaluation of Experian 's response : HORRIBLE and NON-EXISTENT RESPONSE by Experian. I did what they ( again ) told me to do -- and AGAIN their phone system DOES NOT WORK AT ALL!!!!!! All they did here, regarding my complaint, is send out their standard canned and placating response. CLEARLY, NO ONE AT EXPERIAN ACTUALLY READ OR LOOKED AT MY COMPLAINT!!! CFPB should force Experian out of business, if they are not even going to change anything as a result of consumer complaints like mine.

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 2020-05-22
Company: Midwest Recovery Systems
State: SC
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:
This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, XXXX XXXX XXXX and MIDWEST RECOVERY SYSTEMS. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX  account and probably many others because they know people are desperate to get EIDL  loans and SBA is checking that reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For several years, I have had a credit account with Paypal Credit. In XXXX, 2019, Synchrony Bank bought out the company who provided credit for Paypal. It has been a real mess since they bought the other company out. 
I have been current with Paypal Credit since I got the account. I have made the following payments since Paypal Credit since XXXX. I am providing this info based on the fact that I was current when Synchrony Bank took over ... These are the dates and amounts of the following amounts debiting my bank account for payment to Paypal Credit. 
XX/XX/2019 {$300.00} XX/XX/2019 {$400.00} XX/XX/2019 {$300.00} XX/XX/2019 {$250.00} XX/XX/2019 {$250.00} XX/XX/2019 {$200.00} XX/XX/2019 {$250.00} XX/XX/2019 {$120.00} In XXXX, Synchrony requested a second payment for the month because they decided to change the payment date to a different date in XXXX. As you can see, I had already paid them {$300.00} that month. I called them to dispute it with them, and they informed me that I would have to honor their new payment date. I live on Social Security, so that was not a realistic solution for me. In addition, I informed them that as of XX/XX/2019, I had lost everything that I own in flood waters ( the Nebraska Missouri River Flood of 2019 ). It was a declared Natural Disaster. I had been told by my bank that they are required to freeze payments and interest for 6 months following a natural disaster ( that is declared and signed by the president ). Synchrony Bank did not do this. I continued to pay them anyway. However, they have never resolved a problem. 
It might be noted that I do have another account that they manage for Walmart Credit. It is in default because the account was used by a family member without my authorization. I do not have the money to pay on the account, and my family member has said that they will begin to make payments. Every time I call, Synchrony tries to collect on that debt, and they will not work out the problems on this account, which has ALWAYS been current.

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 2020-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Lending Club Corp
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 status incorrect

Complaint:
In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
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: Investigation took more than 30 days

Complaint:
i sent over a dispute and its been over 30 days. I am very stressed that they are reporting inaccurate information on my credit report which make it very hard to obtain credit from possible lenders. Still this day 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 2018-09-22
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Home Depot does advertise 6 months deferred interest if paid in full but on the actual printed bill it says No interest for 6 months.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 call XXXX and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours

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 2020-05-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TD Bank Card Services has not reversed the XX/XX/2020 {$65.00} XXXX XXXX charge that has been disputed for more than one month. That charge has not been reversed and is included in my current balance due after logging in to their website. Each time I call or sent secure email they deflect my XX/XX/XXXX dispute to 2 later charges XXXX charges that were reversed and NOT AT ISSUE! 

Also, my TD Bank Visa card was closed in XX/XX/2020 due to suspected fraud and I was locked out of on line access ( shoot the victim? ). I was told NO NEW CHARGES WOULD POST TO THAT CLOSED CARD. Yet on XX/XX/2020 a {$8.00} charge was posted to my current TD Bank card using the closed card number! If the closed card could accept new charges then why was it closed and another card mailed to me? This is highly irregular and against TD Banks terms and conditions when a credit card account is closed TD Bank has also blocked me from sending secure messages and a Disputes department supervisor named XXXX x XXXX hung up on me when we spoke earlier this week. Previously I spoke to XXXX in Disputes department located in GA case number : XXXX. He promised that the charge would be reversed after listening to the voice-mails of XXXX XXXX which is not contesting any disputed charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2018-02-12
Company: Experian Information Solutions 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:
Ive taken the proactive approach into reviewing my XXXX, XXXX and Experian Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, XXXX and Experian credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

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 2021-02-23
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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