BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I called about these issues and the call was transferred to a not active line. 

I did not make any of these charges : XX/XX/2020 EXTENDED STAY XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 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 monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA. 
Also ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Equifax claiming they have verified with the bankruptcy court is a big lie, they are violating the FCRA. 
According to the FCRA the information should be verified with the original source or creditor, i do have a letter from the bankruptcy court stating emphatically that they do not share or verify information with third party such credit report agencies, also XXXX as the data furnisher has sent me a letter stating that they have removed this bankruptcy from my XXXX report. so as Equifax is unable to verify this information accuracy with the original source, you should remove this bankruptcy from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Aldous & Associates, PLLC
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 am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently filed complaints against 2 companies listed on my credit report thru the Consumer Finance Protection Bureau. The 2 companies are XXXX  and XXXX  and XXXX XXXX. I have attached the complaints and the company responses to my concerns. XXXX and XXXX said this tradeline should be remove and XXXX funding sent me correspondence that clearly states I do not owe them this debt as this debt came from another collection agency and that collection agency got it from another company. I do not have a contract with XXXX. Please delete this tradeline for non factual reporting. Please see the attachments and delete immediately.

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 2017-08-11
Company: Experian Information Solutions 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2019-11-16
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.

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 2018-02-12
Company: EQUIFAX, 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:
XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: AL
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:
THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX  XX/XX/21 {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
Synchrony denied me merchandise credit of XXXX financing stating due to payments history with Synchrony. I have never been late or missed a payment

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 2020-07-21
Company: General Motors Financial Company, Inc.
State: RI
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:
GM financial has an incorrect report of adverse credit and relied on that to deny me credit. I have contacted a GM Rep. - XXXX XXXX - and she will not responded to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, our mortgage lender was noted as XXXX XXXX. On XXXX I made digital payment of {$2800.00} to XXXX XXXX via my Bank. During that same time, my payment was not properly transferred and get reported by the then new owning mortgage company DiTech Financial. 

As a result, I was informed by DiTech that I was in default of 30 days for not paying my loan. XXXX, I made 2 payments for {$5600.00} and shared my grievance for paying 2x. The call support agent filed a case but no action was taken to resolve the discrepancy in payment and accounting on their end. 

As of XXXX, my credit reports have been negatively effected by 2 credit unions as a result of this issue and I am in the process of buying a new home and would like assistance to correct this issue and receive a refund of the additional payment that was made that I never received back from DiTech. 

I have bank statements of all payments made as evidence of my account status. 

Best, XXXX XXXX XXXX : XXXX T : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: American First Finance, Inc.
State: IL
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:
I opened an account with American first finance back in XX/XX/XXXX I was told on XX/XX/XXXX of XXXX that my last payment has been posted and that they would be reporting to the credit bureau that the account has been paid off it is now XX/XX/XXXX and it still showing as delinquent on my account I have contacted them several times and made multiple attempts to have them send me the original contract showing at the balance was paid off they have not met any of my demands and I am furious trying to deal with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called The Barclays customer service line on XX/XX/XXXX at approximately XXXX regarding clarification on the {$100.00} companion ticket credit. I signed up for this Barclays XXXX XXXX credit card in XX/XX/XXXX so I am a new customer. The credit card has so many features and benefits that I would like to take advantage of them but I have a lot of questions as to how they function. The customer service representative that I spoke to told me that I would receive the {$100.00} credit on my credit card account after I purchased the airline tickets. I purchased the tickets for myself and my companion on XX/XX/XXXX and waited for several days to see the {$100.00} credit appear on my account. I never saw the credit and when I called back on XX/XX/XXXX and spoke with XXXX ( operator ID # XXXX ) she informed me that the information I was given by the previous representative was incorrect. I expressed my concerns to XXXX and explained that I felt deceived by my credit card company and was very unhappy and frustrated. As a consumer I feel that we apply for new credit cards because of the features and benefits they offer, however we need to understand how to use them. I am not happy with the customer service and I am not happy with the misinformation I was given. I have been given misinformation by several customer service representatives and I feel that the credit card company is taking advantage of consumers who dont understand the features and benefits.

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX  and transition are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full 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 explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Credit Karma ; My email is deactivated, I tried email the support member that's on their site. They need a phone number to call. It makes no sense I cant call these people that have ads on XXXX & XXXX but, no number. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing is refusing to offer a loan modification and only offering a forbearance due to COVID-19. The forbearance does not help me or the vast majority of homeowner 's since the balance of the 3 month forbearance is required to be paid in full at the end of the forbearance. What is the point of even offering this? 

SLS refuses to even offer the prospect of a loan modification simply stating that it 'may ' be available in the future and that they can't offer any additional information pending " a review of applicable laws and statutes ''. 

Their Customer Service has been unwilling to assist me as a homeowner simply because my loan isn't federally backed. My complaint is to try and force them to treat these loans as federally backed and offer loan modifications rather than forbearances. My original loan from 2010 was with federally backed mortgage. Due to circumstances that I had ZERO control over the loan has been sold multiple times and ended up with SLS. Now I am being penalized during a GLOBAL PANDEMIC. I find this terribly unfair and am asking for your assistance

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 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief