BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had disputed an account with the bureaus and they came back and stated the account was validated. I then sent a letter to XXXX XXXX requesting a full payment history from when the account originated to charge off date. The letter they sent was indicating that I had to have a subpoena sent to get the information. My question is how in the world without having evidence can they report anything?? They said they only had to keep the statements for a certain amount of time but what I was asking for was the payment history not statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND 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 2020-08-25
Company: EQUIFAX, INC.
State: NY
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: Information is incorrect

Complaint:
XXXX was my previous cable provider : account number XXXX. The account was paid in full before transferring to XXXX. I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get my last bill. I just received a XXXX bill of {$170.00} for XX/XX/2017 that I do not owe. There is an amount of {$250.00} on my Equifax credit report that I do not owe negating my credit report. I would like this information to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.

We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.

I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.

Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.

When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.

Her stance is that, based on the phone call, I gave implicit permission. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX  ) Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( Equifax, XXXX, XXXX ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( Equifax ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX & Equifax ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WF/HOME PR, and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CREDIT ACCEPTANCE CORPORATION
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:
XX/XX/2019 account was brought current, {$820.00} was paid XX/XX/2019 a payment was made on this account, {$190.00} was paid XX/XX/2019 is when another payment is due.Credit acceptance has yet to update my credit report. I spoke with someone from there office who assured me, that it would reflex the payments by XX/XX/2019. This hasnt happened.

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 2022-08-07
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 belongs to someone else

Complaint:
I do not recognize this account XXXX XXXX XXXX XXXX  is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.

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 2020-05-12
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted 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
Consumer complaint received 2018-07-10
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: Information belongs to someone else

Complaint:
I would XXXX XXXX  to receive inquiries that I never seen in my 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
Consumer complaint received 2020-08-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an account with Barclays Bank. 

I was on a balance transfer promotion with 0 % APR. Under the promotion, Barclays would quote the amount that needed to be paid each period to avoid paying interest. For every monthly statement period while under this promotion, I paid at least the amount quoted that would prevent me being charged interest. On my statement ending in XXXX, I was instructed to pay the amount of {$3700.00} to avoid paying interest. This amounted to the full statement balance. I did so by the due date. 

Despite this, I was assessed interest on the arbitrary amount of {$2700.00} at my purchase rate. I reached out by secure message online to Barclays to have this explained. They claimed that residual interest is assessed when attempting to pay off a balance transfer in full. This would appear to contradict what is written on their statement as the amount required to be paid each month to avoid interest. 

Further follow up messages from me to Barclays were ignored and not responded to. As such, I am reaching out to the CFPB for assistance as I believe that either a mistake was made by Barclays that should be rectified, or that deceptive conduct has been engaged  in.

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 2020-01-29
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: Information belongs to someone else

Complaint:
To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on Equifax, XXXX, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you

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 2020-08-25
Company: WELLS FARGO & 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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After I graduated from XXXX XXXX, I applied for income sensitive repayment plan as instructed by Bank of America so will be eligible for student loan forgiveness because I am a XXXX XXXX. I have worked for the XXXX XXXX XXXX for over nine years. I learned in 2014 that my payments sent to Bank of America did not count towards the payments for loan forgiveness.

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 2020-01-29
Company: Experian Information Solutions 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:
To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, Experian, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, XXXX, and Transunion. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-01-29
Company: SYNCHRONY FINANCIAL
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 belongs to someone else

Complaint:
My credit reporting is showing an account opened on XX/XX/20 at PC Richard & Son with a {$5000.00} credit limit. Thats not possible due I already have an account t with them. 
I received the mentioned card and I immediately call the financing company, where I was told that It was not possible. Even when I had the card in my hands. 
I need this account to be removed 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 2018-04-09
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
About three months ago XXXX XXXX XXXX called me and stated that I owed them a balance on this Credit Card for XXXX XXXX XXXX. I stated that I dont have an account with this company. He asked me questions about the purchased items on the card which were to gaming stores. I told him I have never purchased these items. He then told meet I must have the person. Then about a week ago, another man called me about the same account, he was demanding payment so I went through the whole story again. I requested documents showing this information and sent a statement and a letter. The only thing that I can see is my name, the address is wrong it is stating I live in XXXX, I have never lived in XXXX. The one document that you need to see is the original application, which they did not send.

Company response to consumer: Closed with explanation