BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX internet service ... No XXXX XXXX. The old Accounts I had with XXXX XXXX at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX ( XXXX XXXX XXXX ) also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX PD in Texas for fraud and stolen items. Report number 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 2019-03-25
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:
On Saturday.XX/XX/XXXX I received a XXXX XXXX Equifax Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, Equifax hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XXXX XXXX XXXX was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX  deleted the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX, I am filing this report due to a loan that was reported on my credit report recently I really do not have any knowledge of this account all I can say that it was told to me by Onemain Financial that the previous lender for this loan was XXXX XXXX the Account number was giving to me by OneMain is XXXX and that they brought this loan from XXXX they also told me that they brought the loan which is {$14000.00} and my payment was {$500.00} a month they also told me that this loan was open in XX/XX/2002 had no connection with XXXX are Onemail Financial so I am asking CFPB to contact them for me for clarification thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First Citizens advertised on their website in XX/XX/2020 that there is {$300.00} promotion if you open a checking and savings account and meet the requirements which are : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1. Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening 2. Enroll in eStatements 3. Open a new savings account Here is what I did to meet the requirements : 1. I opened a new Checking and new savings account at first citizens Bank on XX/XX/2020 2. I enrolled in e-statements for both checking and savings on XX/XX/2020.

3. I made 10 debit card purchases between XX/XX/2020 and XX/XX/2020 which were within 90 days of account opening. 

Their terms also said " Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. '' I met the banks on XX/XX/2020 and 120 days from XX/XX/XXXX is XX/XX/2020. 130 days have passed and I haven't received the {$300.00} bonus as advertised. I reached out to First Citizens bank on XX/XX/2020 via secure message inquiring about the bonus and I received an reply on XX/XX/XXXX to call the sales department. 

I am attaching the documentation including bank statements showing the account openings and debit purchases as well as screenshot of secure message showing enrollment of e-statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 100 WORD REBUTTAL The request for what you sent me was asked by XXXX XXXX XXXX, not me. 
I have no file number I know of. 

Facts : I canceled my XXXX 3 month membership the night before it was to expire. 
XXXX automatically renews membership if cancelation is not made. 
I informed XXXX XXXX that I canceled membership and I wouldnt pay if XXXX   charged me, and was told not to worry they wouldnt pay. 
XXXX told XXXX XXXX that they didnt read the cancelation until after the renewal and charged my account. 
I checked my three month extension to see if it had been closed twice over the next two weeks without using it. It was still active. 
XXXX XXXX still paid XXXX and charged me. 
I checked my account in mid XXXX and it was closed. 
XXXX XXXX XXXX owns XXXX XXXX Credit card. 
XXXX did not close my account after I closed it. 
I was charged for a closed account by XXXX for three more months. 
I did not use the account and the account was closed before the end of one month. 
I paid {$74.00} to XXXX XXXX XXXX to clear my account in XX/XX/XXXX. 
XXXX XXXX XXXX said they would and it would be cleared 30 to 60 days from XX/XX/XXXX, one to two billing cycles. 
TransUnion. a credit check company : XXXX XXXX XXXX, XXXX, PA XXXX said my account went to charge off and wouldnt be cleared until XXXX. 

Yours faithfully,

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 2019-03-25
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:
On Saturday.XX/XX/XXXX I received a XX/XX/XXXX XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XXXX hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXXXXXX XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XX/XX/XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX deleted the bankruptcy 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 2018-06-26
Company: EQUIFAX, INC.
State: NY
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 have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I  shredded their credit car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: VA
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 have submitted more than 15 pages of documented proof to Equifax that an account reporting on my record is fraudulent. I have also submitted 2 FTC Identity Theft reports along with substantiating proof to have Equifax block the account from reporting on my record. It is a loan from a non-US based bank in XXXX XXXX/ XXXX XXXX XXXX a balance of appx. 50k. I have been disputing the fraudulent account with Equifax since late XXXX / XXXX XXXX, and they continue to irresponsibly state the information will remain on my credit report. 

After continuous disputes, Equifax remains to ignore my federal rights per FCRA governing statues and continues to dismiss my claim of fraudulent activity. XXXX has contacted Equifax on my behalf to also block the account. 

Additional steps I have taken have been to put a fraud alert across all three CRAs to protect the integrity of my credit report. However, even still Equifax continues its abusive practice of deliberately and maliciously reporting the fraudulent account. After in depth consultation with my attorney, I've exhausted all of my available resources and am now filing a formal complaint with CFPB before moving to take aggressive legal action for damages/ punitive damages to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 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 2019-09-17
Company: EQUIFAX, INC.
State: AR
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:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX AUTO  LOAN  NO.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: GA
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 HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, We asked for a forbearance plan with Dovenmuele mortgage. We were given a letter to sign ( agreement ) with conditions. I had called to clarify as it seems they are discouraging forbearance in the conditions.I have other loans and the process was fairly simple and the interest was added on to the end of the loan. In the CASE OF DOVENMUELE in the agreement there are three options after the3 month forbearance : " after the plan expires the mortgagor ( s ) will need to either : 1 ) Bring the loan current 2 ) work with the lender to obtain another workout plan, or 3 ) pay the loan in full '' It is not stated as an option to the mortgagor but a requirement. Obviously we need forbearance so I think one is not bring the loan current or paying it off entirely at the end of the 3 month period. That leaves the option of working with a lender on a plan. What if their idea of plan doesn't work at all and my option per the agreement is to only prepay or come up wit the 3 payments? I called and asked to clarify the payment after the three months but they can not discuss that until after the 3 months. Why would any mortgager go into tht potential signed agreement blind. Are mortgage companies required to give forbearance. If so this is a way to discourage it. The terms of the forbearance have to be clear before anyone signs anything. Hence we are very uncomfortable that we could be putting ourselves in an even tighter position, depending on the blank agreement the mortgage company has provided itself. And we just plain are in a tight position having to make the payments at this time. Help? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I filed a complaint with FTC re TransUnion refusing to correct false information on my credit report and to remove same regarding names used, addresses, employers, etc. The complaint Number is XXXX. I performed a dispute with TransUnion, but every email communication came back returned as undeliverable. I disputed each incorrect address, name used, etc and changed my password due to Straffic breaching alert received from XXXX XXXX. The XXXX XXXX XXXX  XXXX on my credit report is a false employee and so is XXXX XXXX. Addresses such as the XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, etc. were never addresses where I lived and there are others Such as past telephone numbers. My last date of employment with XXXX XXXX was XX/XX/XXXX and XXXX XXXX XXXX XXXX is my DBA as a XXXX XXXX, XXXX and XXXX. And TransUnion uses an outside site to upload documents to support your dispute, which never made it possible to upload the same.

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 2019-03-25
Company: Experian Information Solutions Inc.
State: MD
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/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

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