BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX ( PRA ) distorted date information. Please see attached for proof of inaccurate Date of First Delinquency. PRA has furnished inaccurately reported date of first delinquency, which is the date on which a consumer first became late in paying back the loan. The date an account first becomes delinquent matters because it determines how long a delinquency can appear on a consumers credit report. Inaccurate reporting of the age of a consumers delinquency can cause it to appear on the consumers credit report longer than is allowed by the FCRA. 
What PRA has been doing is similar to " First Investors '' case, which was fined {$2.00} XXXX for Knowingly Providing Inaccurate Information to Credit Reporting Agencies for Years in 2014. 
As a result, I request CFPB to protect its consumers, take actions against PRA 's unethical and false practice. I also demand PRA to remove those false trade lines from XXXX,  XXXX and XXXX reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: LA
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 have an open XXXX XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TekCollect Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After unsuccessful attempts to dispute a debt with XXXX  and Equifax, I initially contacted Tek-Collect, the debt collection company on XX/XX/2020. I advised them that the debt was paid in full to the original creditor XX/XX/2020. I provided them with a copy of the canceled check. They said it takes 2 to 3 days to verify and update. I contacted them again today XX/XX/XXXX because Tek-Collect updated dispute investigations with both credit bureaus as accurate and unpaid despite being provided proof of payment for the third time. The representative at Tek-Collect refused to provide a supervisor to discuss this matter with. She requested proof of payment again. She advised that they began working on this matter on the XXXX and still needs more time but had to estimated time for completion. She declined to take proof of payment again after being advised that they have received it several times.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Went online to freeze my credit information with Experian on Saturday, XX/XX/2018 and after entering all the correct information was not able to freeze my credit information with Experian online. Experian website shows that they were not able to freeze my account based on the information I entered, and requires I send all of the same information along with copies of my licence and bank statements by certified mail. I made screen copies of all the information Experian required online and my answers to these questions as proof that I entered the correct information to freeze my Experian 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 non-monetary relief
Consumer complaint received 2023-07-03
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2020-11-18
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID we've incurred additional expenses and infected with COVID. We applied for the forbearance program allowed under the FHFA for relief of payments for GSE loans, we have a conventional 30 year fixed XXXX loan. On XX/XX/2020 the XXXX released new repayment options for homeowners in forbearance, reinstate your payment and the deferred amount will be added to the current loan. Repayment will trigger if the consumer refi 's or sells the home. Every letter and communication I received from Quick states I need to refi, pay a lump some, apply for loan modification or foreclosure. This is misleading, Quicken is pushing me to an option that generates fee income and falls under predatory lending by offering products that incurs fees and benefits Quicken not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Long story short, my escrow refund was lost in the mail and I have contacted Dovenmuehle twice about getting another check sent. I closed on my previous mortgage on XX/XX/2020. My escrow refund check was issued on XX/XX/2020. I have reached out to them after a month waiting in XXXX and XXXX. I still have not received the balance due to me or any communication that it is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX  XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX  XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 opened a XXXX XXXX account on or around XX/XX/XXXX. Since opening I made 100 % payments on time, including my {$7.00} balance that was left after they closed my account upon an " investigation '' that I was never made aware of. This happened twice. Once in XX/XX/XXXX, next in XX/XX/XXXX. Causing my credit score to plummet some 60+ points. ( along with a derogatory remark, which was also there fault ) I spoke with several people from XXXX  XXXX to # 1, express that I did not report a fraudulent account opening to Transunion and also, if that was reported, why wasn't I notified of it immediately. After already making negative remarks and closing my account, they then asked for me to send in proof of it being me. ( which I only did to be able to move forward with further options later, if this isn't settled ) So, I continued with the dispute process with Transuion. Detailing of what happened. A rep from Transuion verified that they also didn't see a statement from me and sent me my credit report, showing they still had me " in good standing. '' I reported that information back to XXXX XXXX. It wasn't until XX/XX/XXXX, while looking on my credit report that I saw that Transunion did indeed approve the false information that they had reported.

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 2020-11-18
Company: Self Financial Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have made several attempts to have Self lending submit the agreement with a signature to me and they have failed to do so. All correspondence has been between XXXX and XX/XX/XXXX. Unless they can send the documentation with my signature, I would like the report removed from my file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, 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:
one inaccurate and fraud account name ( XXXX XXXX  ) has been reporting under my name under my equifax credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my equifax credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/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 2020-05-17
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:
These are not my accounts, or my addresses nor have I authorized any of these companies to run my credit.

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 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Why did they close my account after they took my sons ssi check.. I need help and a voice Im not educated on this matter please help. I need a place to live. Please help me.. thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: DISCOVER BANK
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I was the victim of a scammer in XX/XX/2020. The scammer asked for a cash advance from my Discover card in the amount of {$10000.00}. Discover never asked me if this was legitimate and went right ahead disbursing it. I didn't find out about it right away. 
My lawyer wrote to them asking for an explanation. They did not reply. They earlier claimed they had investigated this and held me responsible. I have never, ever, asked for a cash advance from any credit card, and certainly should have been asked to approve the transaction. I am a senior citizen and this is a lot of money they expect me to pay. 
This transaction occurred on XX/XX/2020. I will be glad to answer any questions you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am being harassed by Credit Acceptance. I got a car loan with them. About 4 maybe 5 month ago I made arrangements to make payments because I was struggling to make it on time. The lady I talk to said that i owe XXXX and the car will be paid off. A little over a month ago I got a call from them saying That I owe XXXX. I ask how is that possible when I know I've been paying on the agreement I made. I just made my last payment this week and they are still calling me sometimes 10 times a day no exaggeration. I feel like they are lying to me, and trying to get more money from me knowing I've paid off my car. I need help so they would leave me alone.

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 2021-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
My Identity was stolen and was hacked online and as a result someone has attempted to apply for things i wasnt t aware of with unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unable to access my account online. I reported this issue back in XXXX. When going to the website to login, I get a message that I am using a different computer, which is incorrect. I ALWAYS use the same computer. Their system wants to do additional verification steps. They request to send an ID code via either text message or email. If I choose email, the email NEVER arrives. If I choose text, the text message NEVER arrives. Both my email address and telephone number are correct. There are no emails in a SPAM box. There are no issues on my end. This company is simply incompetent and unable to fix their problems. When contacting this company, they simply reply with canned responses -- it is like taking to a brick wall. There is no real customer service. Only people who read back generic responses that have absolutely no value to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received hospital care last XXXX. Part of that was a consult from XXXX XXXX XXXX XXXX XXXX. My name on the bill received was incorrect. I contacted XXXX and told them the amount was covered by my medical Insurances and I gave that information. However, I kept getting bills. I spoke to XXXX multiple times. I wrote two letters. I was told multiple times, that this will be taken care of and I would hear back. This has not happened. It was like starting over with each person I talked to- they appeared to have no knowledge of the information I had provided or my attempts to correct this error on XXXX 's part. At XXXX 's request, I called XXXX who told me the bill was paid. 

Now I have been contacted by a debt collection agency. Carter Business Associates- who states I owe this amount to XXXX XXXX , who I have never had any dealings will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB, My name is XXXX XXXX, XXXX. 
I have filed numerous other consumer protection scam and fraud issues to the CFPB, all unresolved. 
XX/XX/2021, my elderly enfeebled father, XXXX XXXX XXXX, passed away in hospice from a XXXX XXXX. 
XX/XX/2021, I received a suspicious USPS certified letter from America First dated XX/XX/2021 ( attached ). 
America First and single point of contact XXXX XXXX are extorting my deceased father for {$44000.00} by XX/XX/2021. 
I can not be certain of the information, validity, or integrity of America First in America Firsts choice to commit extortion, predatory revenue creation, and elderly abuse of my deceased father. 
XXXX XXXX and executors clearly need protection from the abuse of America First. 
Please allow this report to serve as a Cease and Desist order to America First. 

Please advise, XXXX -- XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home mortgage with Nationstar Mortgage is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation