BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the accuracy of my credit report to Transunion, XXXX, and XXXX on XX/XX/XXXX again XX/XX/XXXX And again on XX/XX/XXXX. There are reports of 2 bankruptcies and a collection from a company named portfolio recovery, that are not reported accurately and are not mine. Each time I disputed these items the credit reporting agencies said they were verified, I requested them to send me proof of signature or account numbers to verify the validity of these accounts being mine and their response was they do not have to send me proof that they verify item through automated service. I told them I do not consent to XXXX   or any other automated service because that is not proof of validity. This has caused a serious threat to my credit and livelyhood. I contacted the U.S. bankruptcy court and they said they do not verify anything to the credit bureaus. It is a violation under the fair credit reporting act to put derogatory marks on my credit report without verifying that information. I have made several attempts to rectify this situation. After filing this complaint pending outcome I will file a small claims suit against these 3 credit reporting agencies for defamation, negligent enablement of identity fraud and violations of the fair credit reporting act.

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 2022-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls me over and over and will not stop. Ive asked to be taken off the list, but they will not comply and are seeking personal information in order to collect. The company is portfolio recovery associates llc XXXX. I block their number and they call me from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: ACIMA CREDIT, LLC
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:
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SYNCHRONY FINANCIAL
State: PA
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 signed up for AutoPay with Synchrony Bank Sam 's Club. It made a successful autopayment on XX/XX/XXXX. 

Then the system ( with no interaction from me ) un-enrolled me from autopay. When this happened a payment was missed. 

I contacted customer service who had no explanation XXXX XX/XX/XXXX XXXX. Despite having a confirmation e-mail in my enrollment in autopay and I was no longer enrolled. The customer service rep explained it may take several billing cycles to " kick in ''. This does not make since because AutoPay had already " kicked in '' and paid for the previous month. 

They agreed to refund a " late fee '' ( charged XX/XX/XXXX XXXX of {$6.00}. 

There was an interest charge of {$4.00} XXXX charged XX/XX/XXXX ) they will not refund. 

I also paid in full my balance of {$640.00} on XX/XX/XXXX. 

While I am only complaining about a charge of {$4.00}, the principle of being charged this interest due to their flawed system not processing my autopay is downright stealing due to their computer system not continuing my autopay.

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 2019-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have try to get my free credit report from Equifax and XXXX   but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Early Warning Services, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To Whom It May Concern : Consumer ID : XXXX I recently reviewed an extensive copy of my EARLY WARNING CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my EARLY WARNING report. - ( Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY EARLY WARNING CONSUMER REPORT IMMEDIATELY!. 


Contributor : XXXX XXXXXXXX XXXX Contribution Ref # : XXXX, ==>delete it from my EARLY WARNING REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CITIBANK, N.A.
State: MA
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 initially submitted a complaint months ago to XXXX Credit Reporting Disputes, which all disputes were sent certified mail, and they failed to help resolve my issue. Therefore, I ended up sending a dispute letter to XXXX Presidential to further help solve this issue, and I have yet to receive a response or have the charge-off removed from my credit report. The main issue is that I requested debt validation from XXXX Credit Reporting Disputes months ago, which is past the 30 day response requirement, and they failed to send me ANY documentation. The documentation XXXX said they were going to mail to me was my credit card account statements. XXXX  continues to report a charge-off in the amount of {$35.00} on all three of my credit reports and that balance is in INCORRECT because I paid my XXXX credit card off in 2015!!!!!!!!!

The certified mail letter I sent to XXXX Presidential is attached below.

If you need any further information, such as my personal information or account number, please let me know. I REALLY would like this solved as soon as possible considering it has been an ONGOING issue since 2015!!!!

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.

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 2019-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXXXXXX Last reported XX/XX/2019 {$2200.00} Open balance XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/2019 {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$290.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$140.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
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:
See Attached documents ; I have identified information on my report that are a result of identity theft. Name Spellings that are not my name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There addresses are fraudulent addresses : XXXX XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXXXXXX in XXXX These items and or collections account are not related to any transactions completed by me : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Residences on XXXX XXXX Police Report Filed in XXXX XXXX XXXX XXXX - police report number XXXX ( Crime : Fraud-Impersonation XXXX ) Assigned Detective : 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 2018-11-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is an account on my credit report that does not belong to me. I have contacted Experian and the company that is reporting the incorrect information asking for validation. Both companies have failed to validate the account. According to the FCRA an unverifiable account has to be corrected/removed within 30 days. Experian 's response to me via mail were to contact the creditor which I have done on several occasions. I sent proof to experian which included the letters sent to the creditor and the return signature postal receipt signed by someone at the company.

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 2021-09-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am exiting a forbearance plan on XX/XX/2021. When I have spoken with my mortgage servicer in the past, they have always assured me that deferment would be an option. It was also my understanding that this was an option offered by Fannie Mae. Now that I am exiting, they have said deferment is not an option but they will review my account to see if a flex-mod is an option. 

In speaking with my mortgage servicer the customer service representative denied any knowledge of deferment and said they believed this option was no longer available. I was placed on hold for a considerable amount of time while the representative waited for a response from someone else. Ultimately they stated that the best they could do was indicate on the flex-mod request that I would like a deferment if that was still an option.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

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 2018-11-24
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
SUBMITTED APPLICATION FOR A FORD VEHICLE THROUGH FORD CREDIT FOR A LEASE OF A VEHICLE.

THE MONTHLY AMOUNT OF THE VEHICLE WOULD BE LESS THAN {$300.00} AND MONTHLY GROSS INCOME IS {$2000.00} SUBMITTED ON XX/XX/XXXX ( BLACK FRIDAY ) AND ONCE PRIOR TO THIS DATE.

FORD CREDIT DENIED FORD CREDIT FOR A LEASE, REFUSED THE BASIS FOR THE CREDIT DENIAL THEN GAVE VAGUE ANSWERS AS TO THE DENIAL.

DENIED THE OPPORTUNITY TO SPEAK WITH FORD CREDIT AS TO THE DENIAL AND THE DECISION AND WAS ONLY TOLD BY A DEALERSHIP EMPLOYEE THAT A COMPUTER HAD THE LISTED CRITERIA UNDER MY NAME ; ( NONE OF WHICH WERE TRUE ) AS : 1. JUST A SHOPPER ; 2. A LARGE AMOUNT OF REVOLVING CREDIT CARDS ; 3. PENALIZED FOR NOT BEING A VEHICLE OWNER, 4. AND NO FURTHER INFORMATION WAS PROVIDED AND THE REQUEST FOR WRITTEN DOCUMENTATION OF THE DENIAL AND REASONS FOR DENIAL WERE DENIED. ( AMONG OTHER NEGATIVE TREATMENT ).

5. DESPITE THE FACT THAT A PRE-approvAL by XXXX XXXX for same priced vehicle, WAS PROVIDED BY XXXX XXXX BASED ON THE SAME CREDIT AND FICO SCORE FROM CREDIT PULLED ONE WEEK PRIOR ON XX/XX/2018.

TOLD THAT FORD CREDIT WILL DENY CREDIT NO MATTER WHERE AN APPLICATION FOR A VEHICLE OF ANY KIND IS SUBMITTED BY FORD AND THAT THE OPTION TO GO TO ANY OTHER FORD DEALERSHIP WAS COMPLETELY LOST BECAUSE THEY ALL ARE GOING TO DENY ANY LEASE OR PURCHASE AND THAT NO OTHER DEALERSHIP WILL ASSIST WITH ANY VEHICLE WHATSOEVER.

FORD CREDIT REFUSED TO FACTORED IN THE FACT THAT APPLICANT IS A HOME OWNER WITH A HOME PAID OFF WITH A VALUE OF OVER {$60000.00} ; A XXXX YEAR CREDIT HISTORY OF CREDIT CARDS ( XXXX CREDIT CARDS AND PAID TIMELY EVERY MONTH ) AND A XXXX YEAR EMPLOYMENT HISTORY.

THIS WAS A CLEAR CASE OF A BIAS, arbitrary, capricious, EGREGIOUS, UNFAIR AND DISCRIMINATORY SALES AND SERVICES, DECISION, ACT AND PRACTICE ON THE BASIS OF CREDIT ; THE COST OF THE VEHICLE AND AGE under XXXX years old, and AS a first time Lease or PURCHASE REQUESTED RESOLUTION : APPROVAL FOR A LEASE OF THE SAME TYPE OF VEHICLE, WELL BELOW THE $ XXXX MONTHLY PAYMENT FOR A MINIMUM OF XXXX YEARS/XXXX MONTHS REVERSAL OF CREDIT BEING PULLED MULTIPLE TIMES AND SUBMITTED TO FORD FOR A LEASE.

FURTHER, OFFERS TO PURCHASE THE SAME VEHICLE AND THE TERMS OF EACH and the monthly payments for each offer.

1. DIRECT VERBAL COMMUNICATION WITH FORD CREDIT WITH FAMILY AND SELF AS TO why there is a penalty for 1st time lease OR purchase 2. VERBAL COMMUNICATION DIRECTLY WITH FORD CREDIT WITH REASONS FOR DENIAL.

3. DOCUMENTATION OF THE DENIAL TO BE PICKED UP IN PERSON DIRECTLY FROM THE DEALERSHIP WHERE THE DENIAL OCCURRED 4. WHY NO OTHER OFFERS OF ANY KIND WERE EXTENDED, OFFERED OR FOR ANY VEHICLE at all 5. DOCUMENTED OFFERS FOR PURCHASE OF A SAME VEHICLE AND OVERSIGHT OF ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a dispute with Equifax when I discovered they were inaccurately reporting an open auto loan with XXXX XXXX XXXX XXXX XXXX as closed with date of last payment in XX/XX/XXXX. This account is currently open and paid on time each month. On XX/XX/XXXX I filed a complaint with CFPB when I had difficulty obtaining information online and at the Equifax telephone number ( XXXX ). Please refer to CFPB complaint number XXXX. 
On XX/XX/XXXX I received a response from Equifax dated XX/XX/XXXX, confirmation # XXXX with dispute results indicating they verified with XXXX XXXX XXXX XXXX that the account has not been closed however they continue to inaccurately report the last date of activity as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX. 
I am a XXXX  % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account. 
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost. 
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX  XXXX ( RET. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, XXXX, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX  XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has two accounts the same XXXX  XXXX   XXXX  Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX  XXXX  XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. XXXX XXXX XX/XX/XXXX XXXX XXXX, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since 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 non-monetary relief