BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: ProCollect, Inc.
State: TX
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 agreed with the property manager XXXX XXXX to not receive collections on my credit report as long as I made monthly payments on my early lease termination fee I immediately made monthly payments on time and upon making my third payment the manager XXXX XXXX left the property and XXXX XXXX who has been processing my payments at the apartment stated my agreement with XXXX XXXX is no longer valid and I need to contact Pro Collect. I never got my monthly payments credited. Pro Collect stated they had been trying to get in contact with me and if I do not make the full balance payment by Friday XX/XX/2023 they will report my balance to the credit bureaus to make sure I never rent a place to live again. Pro Collect refused to accepts payments.

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 2023-08-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've attached all necessary documents below to support all claims. Including my Identity cards/address

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXAccount # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a credit card account from a company called RoomsToGo opend with my information that I didnt approve. I reported it to the 3 bureau and froze my account. Days later the card was maxed out with no approval and the investigation is still pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving a notification that there had been a change to my credit report on XX/XX/XXXX, I pulled a copy of my XXXX credit report. I noticed that there were two of the SAME collections were being reported by Fair Collections and Out, which I don't believe was done by coincidence. I believe the double reporting was done with mal intent, knowing this could potentially harm someone's character and livelihood. On Monday, XX/XX/XXXX, I called the office to try and get more information about the collections that were being reported. The representative attempted to explain to me the alleged debt, but I insisted that I didn't understand, and that the debt had to have been reported in error. I then as for the original purchase agreement, original terms and conditions along with proof of ownership of the debt. I provided my information and still have not received the requested information. 

The reporting of the two accounts for the same debt has tarnished my credit reputation and has caused a strain on my security clearance required for employment. According to the credit report, this debt began XXXX. The original creditor listed on the report is for an apartment complex called XXXX XXXX, located in VA, which I've NEVER heard of. I've resided at my current locations for almost 3 years, so I'm not sure how I could have lived at this location in XXXX. There are a lot of questions and very few answers.

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 2017-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
I received a letter in the mail from Paypal credit stating that I had been approved for a certain amount of credit line. I do not have a Paypal account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Rocket Mortgage, LLC
State: NC
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:
On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from quicken loans but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another quicken representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XX/XX/XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Chase Bank accepted a 3rd party check in the amount of {$2500.00} That was Endorsed and Signed and deposited Completed Said there would Be a hold and Funds would be available October 5th 10 days for funds to Clear On XX/XX/XXXX the funds Clear and are available for use But XXXX use funds and now accounts Restricted so I contact the customer service for Chase and was told the third party had to be verified which there third party verification database they're trying to verify with phone number for the third party and if the third party does not have a number in the system it will not verify them I tried to go into a local branch with the third party to identify with ID they would not accept also try to have the third party on the phone with me talking to customer service they would not verify that way either I was later then told that I had XXXX grace period or the account would be restricted and closed well and XX/XX/XXXX they close the account with the remaining balance of {$2500.00} when contacted the customer service for Chase after receiving a letter from Chase regarding the closed accounts and what Debit XXXX  standed and meant on my statement was told account closed and Funds Would Not be Sent out VIA it was a XXXX party check That they can't verify so they can't send me my Funds from account even though check was cleared and deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus is reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % correct or the information must be removed. Correct this reporting by making a revision of the information provided. Change and proceed with any corrections or eliminate this from my personal file.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2023-08-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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 belongs to someone else

Complaint:
I recently put in my complaint this is XXXX XXXX I accidentally said XXXX and my data was compromised with XXXX.my email is XXXX I didn't put my number XXXXmy next complaint is with credit acceptance I called them repeatedly over the years and explained to them I had a disaster fire and 4 years later they say I owe XXXX XXXX XXXX blew up XXXX the winter storm that's where I lost everything they seem to have no regards.i think this is so unfair and they won't do anything to help with the situation.fema had to help around XX/XX/XXXX in XXXX Texas where I had to relocate XXXX.Right before that in XXXX I was informed that my identity was stolen and fraud was committed so I went to XXXX police station to file charges as well as get a police report.due to the fire I lost everything no paper chase.as of today my information is still being used I was informed my information is on dark web and will remain there.im unable to get my id social security card birth certificate.please help in anyway possible.im fighting with my bank because my money was stolen from my XXXX online account XXXX and I was incaserated in XXXX county from XXXX XXXX XXXX transaction has been made during that time over XXXX XXXX dollars.please let me know what I can do 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 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX******* I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Mercedes Benz Financial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MERCEDES BENZ FINANCIAL SERVICES YEAR- 2023 In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious 1ST CRD SRVC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling my XXXX XXXX report, I seen a debt on my report that does not belong to me. The amount owed is {$980.00}. The account was placed into collections on XX/XX/2017. I have a current account with XXXX that is paid for every month and had no knowledge of a second account being open in my name. I have called and explained the situation to many associates to no avail. This debt is not mine and I do not owe this. This false information on my credit is stopping me from being able to purchase a house and car for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: CA
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:
Had my identity stolen in XX/XX/2019 and have hard inquiries from EXXON/Cbna that i did not authorize. I called them to have those removed and its been almost a half year later and they are still reporting on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief