BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Convergent Resources, Inc.
State: MI
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:
After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

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 2019-02-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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 contacted XXXX  and told them my address is XXXX XXXX XXXX XXXX XXXX SC XXXX and my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX yet they told my 47 companies are reporting my address and XXXX XXXX XXXX XXXX which is across the street and these companies send mail to XXXX XXXX XXXX XXXX not XXXX XXXX XXXX and I have never address anything XXXX XXXX XXXX XXXX Need help correcting this. One the company One main is reporting me with a repo and charge off when the car was total in XXXX of 2018 it was not my fault XXXX XXXX did not pay car off until XXXX or XXXX and then they charge it off in XXXX and sent me a bill in XXXX for balance how backward is that. I would like for it to be corrected because it cant be both totaled and repo/charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I submitted a compliant about a very similar debit that was not mine. The previous complaint ID was XXXX and it was in regard to XXXX XXXX saying I owed {$460.00} and the collection agency at the time was XXXX XXXX XXXX During that time, it was showing up on my XXXX credit report, when the compliant was resolved and identified as an error on XXXX, it was removed off my credit report. Now on XX/XX/2022, I received an alert from XXXX that I had a new collection account open. After I reviewed the information, I found that the amount was the same of {$460.00}, but the company was XXXX, and the collection agency this time was MRS BPO LLC. I did contact XXXX on XX/XX/2022 at XXXX XXXX  to see if anything came up on their end with my social security number and the amount of {$460.00}, but nothing came up. This again tells that there is an error on XXXX 's part or a potential fraud.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems sent me a letter that they intended to collect a debt for unpaid rent. I sent them a letter challenging the debt and they sent me back a copy of the lease and an invoice. 

My name was not on either the lease or the invoice provided as proof of the debt owed. They stated in their letter that they had validated the debt from the provided paperwork. 

They reported the collection to the big three credit reporting agencies. I was able to get XXXX to remove the collection, but the other two have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Error not fixed

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 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Several modification requests have been faxed with financials to Select Port Folio, Inc the servicer of my loan. XX/XX/XXXX. I was informed by the Relationship Manager XXXX XXXX XXXX. XXXXect Port Folio was no longer reviewing the loan for a modification assumption. Select Port Folio has been difficult to work with and unwilling to assist me with keeping the property. There is a pending property foreclosure for XX/XX/XXXX. XXXX stated the sale date would not be postponed because a mortgage modification has been mailed to me, I have not received those papers. The interest rate or terms of the mortgage isnt fixed. It is a balloon mortgage ; interest rate is adjusting out. He also told me the modification request was no longer being processed. We do not want to lose our home to a property foreclosure sale. Please post pone the pending property foreclosure pending this request being processed. I dont want to lose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NY
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:
Waiting on the removal of accounts that are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my TransUnion credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX of Michigan Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage Medicaid they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
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 2019-02-21
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm a co-signer on my daughter 's loan she had with XXXX XXXX. She applied for a {$20000.00} loan, but was approved for {$17000.00} at 7.5 % interest - dated XX/XX/XXXX. Letters I receive still have it that she applied for a {$20000.00} loan at 9.625 %. 
The full amount was never used. There was going to be 4 disbursements. 
1 ) XX/XX/XXXX - {$7900.00} - Disbursed 2 ) XX/XX/XXXX - {$3300.00} - Disbursed ( On XX/XX/XXXX I informed XXXX a representative of XXXX XXXX that the 2nd disbursement of {$3300.00} was not needed. I informed financial aid at XXXX ( XXXX ) XXXX to send back the disbursement. I also was given the website XXXX/disbursement to check on the status. 
3 ) XX/XX/XXXX - {$3300.00} - Cancelled 4 ) XX/XX/XXXX - {$3300.00} - Cancelled The only amount that was disbursed was {$7900.00}. XXXX XXXX informs us that we owe for the first and second amounts - $ {$11000.00} Payments aren't being credited Harassing phone calls, letters and contacting family, friends who have nothing to do w/loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The date of the transaction is : XX/XX/2019 The amount is {$200.00} The card number ends in XXXX The Complaint is against Citi Bank The Rental Car Company that declined the transaction is XXXX in the XXXX Purchase through XXXX  XXXX The Complaint : I was issued a credit card by Citibank/XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX advertised as part of the card benefits. In XX/XX/2019, I rented a car in the XXXX and informed the Car Rental Company that I had a car rental insurance coverage on the Citi Credit Card which I used for the payment, hence declining the car rental company insurance. The car rental company told me that the worldwide car rental insurance that Citi Bank sold to me was deceitful and not acceptable. They requested me to pay for their own insurance which was very exorbitant. I refused to pay and they refused to rent the car to me and told me I would forfeit my payment. I forfeited the money based on the fact that Citi Bank deceived me into obtaining its credit card which could not deliver the benefits they promised. 

I therefore consider this as a gross violation of UDAAP and therefore request that Citi Bank reimburse me with money I lost due to their unfair and deceptive practice by selling a product that does not deliver on the advertised benefits. Citi Bank should contact XXXX at the XXXX XXXX location to confirm why they declined their insurance coverage despite providing evidence that it existed.

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 2019-02-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company Liscense was REVOKED/VOIDED in XXXX, ( SEE ATTACHMENT ) which meant they had no right to attempt to collect a debt, call, harass or send a letter to me or anyone else. I have done more investigation and this ALLEGED debt suppose to have come from XXXX WHICH IS NOT MINE AND I HAVE NEVER HEARD ABOUT owing A Medical place/ hospital or doctor for this. They been harassing me EVEN WHILE THEIR LICENSE WAS REVOKED, Yet reporting this to my report in XXXX ONCE THEIR LICENSE WAS REISSUED. The last person to respon made it seem as if XXXX is the first time they reached out to me to try to cover their XXXX, THAT IS A LIE! This company has also been know to lie about willing to remove things then add them back months later. I will continue to investigate, and report this company anyway I can. AS i stated in my first complain I HAVE NEVER RECEIVD ANYTHING FROM A DOCTOR OFFICE, HOSPITAL OR ANYTHING SAYING I OWED THEM {$67.00} they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. WHICH PROVES THAT COMPANY NEVER SENT ME ANYTHING SAYING I OWE THEM! This should not be on my report, and should be removed! Commonwealth Financial DID not HAVE A LICENSE in the state of Florida IN XXXX TO COLLECT. Please look into this company their reviews by thousands of people they are committing fraud against. SEE ATTACHMENT!

Company response to consumer: Closed with explanation