BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however XXXX they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: TN
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 have never file for bankruptcy me and my father have the same name this maybe the problem

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: CORELOGIC INC
State: OK
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:
CREDCO, XXXX XXXX, CA XXXX ( XXXX ) XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credco made inquiries on my credit report and my wife 's credit report without our knowledge or consent on the above dates. They did have our consent for an inquiry on XX/XX/XXXX but that was the only time. Myself and my wife did not give them permission to make an inquiry on our credit reports after XX/XX/XXXX which was for a loan for a travel trailer from XXXX XXXX in XXXX XXXX. These unauthorized inquiries have hurt our credit scores. Inquiries from XX/XX/XXXX and XX/XX/XXXX show telephone number ( XXXX ) XXXX. Inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have telephone number of ( XXXX ) XXXX. Please help in any way you can to get these inquiries off of our credit reports as soon as possible.

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I permanently lifted my credit freeze with experian on XX/XX/2021. This was confirmed in writing by Experian, a notice which was mailed to me via US postal service. Yesterday, I was unable to lock in my my refinance rate because Experian re-froze my file. I never asked to put another freeze on my file. 

I mailed my request to Experian requesting Experien reinitiate my original request to unfreeze or life my freeze. I've tried calling and emailing, but there are no persons able to respond timely.

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 2020-05-26
Company: EQUIFAX, INC.
State: CO
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently check my credit report and notice a collection from HOLLOWAY CREDIT SOLUTION, LLC reporting a alleged debt of {$250.00} on my credit report that i do not owe.I submitted them a letter on XX/XX/2021 disputing the validity of the alleged debt and medical documentation from them, and as of today i have not received them.I also attached you a copy below of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: AMERICAN HONDA FINANCE CORP
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: Old information reappears or never goes away

Complaint:
My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. American Honda finance and XXXX are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and XXXX the fraudulent information to my credit report. I sent letters to the XXXX credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within XXXX days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
Upon pulling my credit report I noticed that there is a XXXX XXXX XXXX account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with XXXX/XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX : Opened Capital One {$100.00} Checking Bonus. XXXX promo code entered into appropriate field in application. Promo valid from XXXX Use promo code XXXX in application, and Spend at least {$300.00} with debit card within 90 days of account opening. Bonus will post to your new 360 Checking account within 60 days after your 90-day spend period ends. 

XX/XX/XXXX : Completed {$300.00} spend XX/XX/XXXX : Called Capital One customer service agent XXXX, Employee ID : XXXX. Reference code for call : XXXX Regarding bonus not being awarded within stated time frame. Representative stated I completed all the requirements for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: NM
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:
I am a victim of identity theft. 

In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open a credit account at Synchrony Bank, without my knowledge and permission. I did not request or authorize this account. ( Please see letter from the bank, attached. ) I immediately contacted Synchrony Bank and asked them to take all appropriate steps to remove information about this account from my credit files. Also, I requested removing all negative reporting associated with my name. 

Since then, absolutely no action has been taken on the part of Synchrony Bank to remedy this problem. I have contacted Synchrony Bank by phone monthly since XXXX to ask for updates about the matter. Every time the person answering my call gives me an unacceptable excuse as to why this matter has not been resolved. 

During my very last call I insisted that they give me the postal address for their Fraud and Identity Theft department. As soon as I made this request, the employee hung up the phone. 

Back in XXXX, a number of other fraudulent attempts to open bank or credit accounts in my name. All those issues were resolved by the institutions in question within just a few weeks. 

The fact that the last representative from Synchrony Bank hung up on me, gives me the reason to believe that the bank itself may be involved in illegal activities. They have certainly violated laws and regulations imposed by the federal government in terms of resolving matters of this sort appropriately and in a timely manner.

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 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently signed up for XXXX XXXX to monitor my credit. I noticed an inquiry that I did not recognize. After determining what the inquiry was for, I believe it to be the result of someone else having misused my personal information to obtain a line of credit. The inquiry was for a store credit card that I did not apply for. I did attempt to contact the company who ran my credit but was unable to reach anyone because I do not have an account, the computerized phone system will not allow me to reach a live person. I would like the following inquiry removed : Equifax : XXXX - inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a. Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. 

b. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond. 

c. Portfolio Recovery Assoc FALSELY is listing on my XXXX report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 check my credit report and notice incomplete and inaccurate information from the 3 CRA XXXX TRANSUNION, XXXX AND XXXX XXXX, so i sent letters to XXXX  on XX/XX/2021, Transunion on XX/XX/2021, and XXXX  onXX/XX/2021 disputing the inaccurate and incomplete information that is on my credit report.as of XX/XX/2021, i have not received anything from the CRA 's concerning this information. I also attached copies below of the letters submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been asking for the funds I deposited to be returned to me. The bank is holding my {$700.00} and I need them to make my payments. I put in a request to get the funds available and I havent had a response that should have lasted 24-72 hours according to the person the placed it. I am already impatient because the bank closed the account for fraud. They are hold my money that has already cleared this check is money I need.

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 2020-08-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Under the CARES Act my loans were put into forbearance, however it was reported my credit score dropped almost 50 points. Its saying a remark has been removed from each loan 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 2018-02-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services. 
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from 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