BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our loan was paid off but Loancare did not record the payoff. We are trying to refinance and can not until the paid off loan is recorded. We are at risk of losing our refinance rate lock. We have gotten a run around. Someone was supposed to get with us last week to resolve but never did.

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 2018-10-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.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 2018-07-26
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to contact someone in the tax department of Specialized Loan Servicing for several weeks now because my property taxes have not been paid for 2021. I have an existing escrow account set up with more than enough money to pay the taxes, however I can't get in contact with anyone at this company. When I've called, I sit on hold for an hour and then they drop my call. I've called multiple times in the past few weeks. I also received a letter this week stating that they were going to have to buy insurance on the property because they didn't have a record of me having current insurance. Well I do have current insurance, through XXXX, and even their website states that my insurance is current. I would like to confirm that they have a record of my insurance and have them pay my property taxes out of my existing escrow account, but it seems it's impossible to speak to someone at this company. Truly terrible customer service.

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 2019-06-05
Company: U.S. BANCORP
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a complaint yesterday and have found out that they sent reports to all of the creditors, saying what I do not know. I have been dealing with XXXX for the last month and all of the conversations were recorded by XXXX of course with no results. These people are going to cost me over 25 thousand dollars in interest over 6 years because of having to pay for 28 percent interest. They are holding my life hostage and I want compensated for the stress and the interest on the loan. I have talked to a pro-bono case against XXXX for the pain and suffering.

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 2019-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is allowing fraudulent information to appear on my Equifax Credit Report, that was opened from a thief obtained from a thief as a result of identity theft and I am victim. They also allowed fraudulent inquiries that I have listed below, and have not blocked these fraudulent inquiries that I did not apply for. These fraudulent accounts include. 

1. XXXX XXXX - {$8000.00} Owed Personal loan opened on XXXX XXXX. This is not authorized. 
2. XXXX XXXX XXXX {$9600.00} Balance owed opened on XXXX XXXX Line of credit. 
3. XXXX XXXX XXXX  {$8500.00} Owed Personal Loan opened on XX/XX/2019. 
4. XXXX XXXX {$980.00} Owed. Line of Credit Opened on XXXX XXXX 5. XXXX XXXX  {$490.00} owed. Line of Credit Opened on XXXX XXXX 6. XXXX XXXX {$5900.00} Owed Line of Credit Opened on XXXX XXXX This account is also fraudulent. Not authorized. 
7. XXXX XXXX XXXX {$0.00} Owed Line of credit opened on XXXX XXXX Limit of {$4000.00} Closed. 

Inquiries that are fraudulent. - XXXX XXXX XXXX XXXX XX/XX/XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  - XX/XX/2019, XXXX XXXX XXXX XXXX - XXXX XX/XX/2019, XXXX   XXXX - XX/XX/2019, XXXX XXXX XXXX - XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019, XXXX/XXXX - XX/XX/2019, XXXX XXXX-XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019. 

Information that is not Correct in my personal information. 

Address - XXXX XXXX XXXX XXXX, XXXX TX XXXX Is incorrect and should not be listed on my credit report. My address is as stated XXXX XXXX XXXX, XXXX TX XXXX. I am attaching my drivers license, and social security card, and utility bill. Please correct and block the fraudulent information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
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 information incorrect

Complaint:
The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation no knowledge of accounts po report sent to XXXX and local po dept

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Hard inquiry from XXXX XXXX XXXX Bank XXXX I sent them letters by mail and called them XX/XX/2022, XXXX, XXXX, XX/XX/2022, XX/XX/2022 and XX/XX/2022 each time filed with thier fraud department about this hard inquiry on my credit report and they keep telling me it will be removed and they have sent reports to transunion to remove it. Transunion said they have no reports from them to remove it and I need to contact XXXX XXXX to have it removed. I have done this over and over for 6 months. Also sent certified letters to transunion, that the post office has receipt and proof they received but transunion reps say nothing is in the system. Apparently they lost the letters after the received them. Transunion also says they can't prove it was me sending the certified letters, even though the letters included copy of my driver ID, copy of my Social security card, copy of my birth certificate and included other personal information.

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 2023-05-22
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: MA
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 son and I have the same name and address, I own the home, my son moved out about 6 months ago, he apparently didn't pay his bill, I called the company, the account was SSN # based, I told them my SSN #, didn't match but they refuse to take it off my credit history, I am trying to buy a car for work, I have called, written x4, they won't move to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I booked a rental car in XXXX for XX/XX/2019. The reservation confirmation email ( attached ) shows the booking confirmation for the reservation with the total cost of the rental car {$280.00} - which I have paid in full. A deposit of {$56.00} upon making the reservation and the balance of {$220.00} was due to be charged to my card. Instead XXXX charged {$340.00}. I disputed the additional {$120.00} through my credit card, an appropriate channel, and XXXX did not respond to the dispute or justify the additional charges. See letter from credit card company dated XXXX XX/XX/2019. If XXXX believed the {$120.00} overage was due them they had 90 days to respond to the letter from my credit card company which they did not do. XXXX XXXX ( my credit card company ) found no liability for the {$120.00} and reversed the charges on my credit card. 

I have paid the agreed upon amount ( {$280.00} ) in full and no claims of outstanding monies owed are justified. 

Now XXXX has handed this {$120.00} debt off to Cedars Business Services for collection who sends constant emails ( and I believe phone calls, although they will never leave a message ) despite me giving them the facts of the case. 

My credit is impeccable and as you can see from my credit report, I pay legitimate amounts I owe in a timely manner. Always.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Comenity Capital Bank sent me a XXXX XXXX XXXX Mastercard that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have addresses on my report that doesn't belong to me, and my name is also spelled incorrectly. This is inaccurate and its hurting m ability to get 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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and transuion do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 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 2018-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.

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 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX I enrolled in financial assistance on the Bank of America Application. 

I received and email that my payment will be {$320.00} due by XXXX XXXX. 

It was my understanding that the payment was due XXXX XXXX {$320.00}. I received 30 day late credit reporting and an E statement stating Your account is 2 payments past due, with {$540.00} due today. Today, XXXX XXXX before close of business, the day I was advised to pay {$320.00}. Ive been misled by Bank of America deceptive practices and have been negatively impacted due to a written disclosure omitting information on the service. Ive received collections calls on my cell phone number without consent, before XXXX XXXX the date I believed to be my payment date due to the financial assistance agreement I received. The lack of understanding of the reduced payment agreement is due Bank of America withholding the accurate conditions with an account that is 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 explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Credit Plus Inc
State: KY
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:
CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.

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 2020-07-14
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services XXXX. XXXX  XXXX XXXX, MI XXXX Original Creditor XXXX XXXX XXXX Current Owner LVNV Funding LLC On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Unless I notify within 30 days of receiving letter, they will assume debt is valid and obtain judgement. 

I responded each time requesting a copy of the original " Bill of Sale ''. 
They respond by sending a " Account Summary Report '' that any one could make up in an XXXX  Spreadsheet. 

To date they fail to send what is requested. Odd that after replying in XXXX, I have not heard anything until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AMERICAN EXPRESS 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:
AMEX with limit of {$1000.00} was hacked and charges ramped up well past the limit. Fraudulent attempts at payments pulled from my XXXX XXXX account. AMEX allowed over {$7000.00} in charges. XXXX reversed all payments to them. The XXXX account has since been closed. AMEX will not explain how they allowed these charges to exceed {$1000.00} or how they could allow 10-12 attempts to get payment of the AMEX account in a single day. 

AMEX calls every day including Sundays for collections. At this point, I am still attempting to fix this and other issues with XXXX and preparing filing a complaint against AMEX for fraud and negligence. The AMEX account has been closed.

Company response to consumer: Closed with explanation