BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I received hard inquiry alerts from XXXX, TransUnion and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard 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 2020-01-22
Company: Bread Financial Holdings, Inc.
State: OH
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 received an invoice and I dont know who this company is or what this is for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have three cards open with XXXX XXXX and I've asked before to not be called Monday- Friday between XXXX since I am at work. They continue to call multiple times through out the months during these hours and when I keep asking for them to stop and respect the time frame I give them I'm told they will make a note of it. Today alone I have received five phone calls from them and have not answered any of them due to being at work. I've asked before for them to call me back after XXXX Eastern time zone and they still do not relay this information to other associates there and keep calling me! 

As well when I have had the chance to answer the phone on the off chance they call again when I am able to respond they do not tell me where they are calling from at first and say I need to pay. Its slightly difficult to know which card they are referring when they do not say who they are calling from. This has happened since XXXX of 2018 where they no longer tell me who they are when I ask who Is calling they ignore me asking and say will you be paying this today. Its very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Statewide Credit Services Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid this debt XXXX of 2019 for XXXX dollars in full. This company never send me any information to my address. I never got any bill. I was only conscious of this bill when it opened up on my credit report. I then contacted the creditors with the info from my credit report. I never received any notice. When asked what address they have. It was a incorrect address that I no longer lived at. They also stated sorry we wont be removing anything off your credit even thought you paid it due to you not paying on time. When I explained I never received a notice and I was on knowledgeable of this due to my credit report when it appeared on it. I gave proof of my correct address and ask can it be removed from my credit report due to me clearing the balance with a XXXX  balance due to me never receiving anything and not knowing anything in regards to this bill. This company illegally put a inquiry on my credit report and the representative told me that was because they was in the process of seizing my check or property which is illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: First Associates Loan Servicing LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company, XXXX XXXX, which one of it's services I found is debt collection, keeps contacting me. 

On the first call, they asked to speak to me by asking my specific name, and then asked the procedural identity questions such as what my Date of Birth, Home address and Last four of my social security were. They then proced to say, " they can not establish '' my identity, and to email their technical support. They also say they, '' are unable to discuss anythign further due to privacy and security concerns. '' To this statement I replied first, to send me written information to the nature of the call to my home address, and second, if they have established I am not the correct person they need to speak to, then they need to discontinue calling my number. 

They would not discuss anything further, and told me that they will keep calling until I " straigten things out with their support '' I have not, since the first phone call on the XX/XX/XXXX, received anything written from XXXX XXXX, and they continue to call me. 

They have called me on the XX/XX/XXXX, and on the 4th, 7th and XX/XX/XXXX, despite my telling them repeatedly to not call me and to send me written information as to what the call entails. They do not want to discuss the nature of the call, nor send any written information. 

I called them back, and instead of sending me to their website, XXXX, they told me to go to XXXX NOTE : I asked them for a mailing address to put into a complaint form, and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Account information incorrect

Complaint:
Hello, there is an account with XXXX 'XXXX  ( XXXX ) that is on my credit report. I have been trying to fight this account for sometime because it is inaccurate. I am requesting this account be removed because I have not been provided proof that this account is mine. I have also not received any method of verification from the Experian credit bureau in response to my dispute. I feel that this is negligence and this account should be removed from Credit report immediately. I have already requested a dispute, and NOTHING was changed but an incorrect balance was updated. XXXX  has already deleted this account because it was deemed INACCURATE. I expect Experian to follow suit, or I will be faced to sue this company. This complaint is my final resort to allow them to rectify this situation. I am demanding this item be deleted or I am sent TRUE verification that this account is mine/as well as method of verification. I do NOT want a dispute, because I just had a dispute finished this week for the second time and this account still has not been removed. 

I am attaching a photo shot where it shows this account has been removed from 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 2019-03-12
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I filed an ID Theft Report with the FTC on XX/XX/XXXX. I provided a copy of this report to all 3 CRAs on XX/XX/XXXX which then notified all creditors involved. 

One of the creditors was XXXX XXXX/XXXX. 

On XX/XX/XXXX, XXXX  provided me with their investigation results. I attached a copy of that report. As you can see, XXXX XXXX/XXXX was the ONLY creditor who refused to the blocking of their account. 

As I assumed this was an error, I sent XXXX a letter on XX/XX/XXXX by certified mail ( see attachment ) which was received XX/XX/XXXX, notifying them again of the ID-Theft and providing them with another copy of my Theft Report. I also notified them that I have not received any communication from them in regards to this matter. 

On XX/XX/XXXX, I received a response from XXXX ( attached ), basically stating that an ID Theft would be impossible on this account since it was opened and used be me AT SOME POINT and that they concluded their investigation and filed the dispute as complete. 

This forced me to send XXXX another certified letter on XX/XX/XXXX which was received by XXXX XX/XX/XXXX ( attached as well ). I clearly pointed out that this account was indeed opened and used by me but that the open balance was the result of ID-theft. I provided them with the same copy of the XXXX  results, a copy of a statement reflecting the last balance authorized by me and notified them when these charges were paid off. I attached the last statement reflecting authorized charges by me ( {$51.00} ).  This balance was paid off on XX/XX/XXXX. 

I requested the removal of the fraudulent account from my credit-reports within 30 days of the receiving of the letter. This deadline expired yesterday ( XX/XX/XXXX ). I also advised them that a case with the CFPB would be filed if they would not comply. 

As of today, XXXX XXXX has not provided me with any information whatsoever. As you can see, I requested detailed information about the alleged open balance, how this balance was calculated, what alleged purchases were made resulting in said balance and, most importantly, any proof of signature of me obtaining said goods. NONE of this was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX, tried to refinance my home without my knowledge and without my authorization. He said XXXX XXXX said I agreed to that. They came out and did an appraisal on the home without my authorization. XXXX XXXX used a card that was removed from her, and cancelled to charge the {$520.00} fee. I informed XXXX XXXX that XXXX XXXX and I are getting a divorced and that she has no authorization to use cards that are solely issued to me and only me and that they need to remove the charge and go through her to get the payment as I would not like to be charged for some service I did not want. He also told me I needed to take my home of the market during the hottest spring season to date. I said I will not as we have many buyers looking to purchase this home. I have a transcript of XXXX XXXX telling his underwriters to remove me from the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the Saks for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like Saks told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-05-15
Company: Checkr, Inc
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a XXXX XXXX in XXXX Kentucky. I applied to become a XXXX to earn extra money. I was denied due to a credit check from Checkr. I would like the information from this report to find out why I was denied. 

My life depends on my background check. If I have bad information on one I need to know so I can clear it up. I have done nothing wrong. I have never been in jail or have any criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX. As of today I have not received any response from XXXX  or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.

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 2019-03-12
Company: EQUIFAX, 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:
I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION LLC I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX, Bank of America, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX BANK OF AMERICA XXXX BANK OF AMERICA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For the record, many different names were used to created fraudulent accounts.

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 2020-12-02
Company: EQUIFAX, INC.
State: NV
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 submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XXXX. As of today I have not received any response from XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. XXXX  and Equifax have failed to respond in a timely manner to my requests and while I did receive a response from XXXX, they did not resolve all of my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This complaint is against Experian for reporting an inaccurate address and inaccurate Spouse on my credit file. Experian refuses to correct this inaccurate information even after I provided them proof. 

Experian is reporting and address of XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX. This address is not mine! 
I have complained to Experian both over the phone and via letter but Experian states that they will not remove the address because there might be a possibility that another account would attach to this address. What is that? It doesn't make sense. I have included in this complaint a copy of my notarized admission of my current address. Experian also has the name XXXX as my spouse. This is totally incorrect! This person named XXXX is not my spouse! This is inaccurate and also is included in my notarized letter.

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