BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2019, I attempted to purchase a home. My mortgage lender could not access my Equifax credit report. We later found out that Equifax has two different birthdays for me. In order to correct the problem, I had to submit documentation to prove my identity ( XX/XX/2019 ). The account at Equifax was updated, around XX/XX/2019. Immediately, I received a message from my credit monitoring agency, " Equifax has 5 new inquiries on your account resulting in your score dropping 38 points ''.

This issue took my score out of the range to purchase the home. The problem is not my fault and I want my score restored.

I have called Equifax at least seven times. Six times we were " disconnected '' and they never attempted to call me back. They refused to work any further with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent dispute letters to both transUnion and XXXX  showing the inaccuracies they are reporting but have been getting responses stating that the accounts are accurate. Both have been reporting false information. I've been getting reports from different agencies going back at least 2years showing my reports being manipulated. I recently contacted all the creditors asking for information about these accounts and how they were reporting. XXXX XXXX  responded to my letter stating they didn't have any account with my name on it. I sent a copy of the letter to tranUnion and XXXX. They are totally disregarding the proof and continue to report these accounts. I didn't want to clutter up your office so I won't send all the proof I have of the continued violations and false reporting. If you take a look you can plainly see what has been occurring with my reports. XXXX  had the good sense to cease reporting these accounts. Therefore my complaint doesn't involve them. In these copies you'll see the many violations, gross negligence of these 2 bureaus reporting practices. They have kept my credit reports hostage for years resulting in my having to pay higher interest on my accounts I've been able to open in the last several years! Please advise me on the proper steps I need to take to get this handled. Thanks.

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 2019-02-26
Company: Credit Counsel, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on 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 2023-02-12
Company: Experian Information Solutions 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:
I noticed a few accounts on my report I do not recognize

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a car 15 years ago. I turned the car in to XXXX XXXX sales and got a new vehicle. 
They resold the car and told me i didn't owe anything back to them. 
This was not supposed to be on my credit. Only Transunion is reporting this. It is not a debt i owe at all. This is messing me up to get a mortgage.

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 2021-10-07
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account was charged for a loan amount repayment of 3 installments XXXX and one installment of XXXX. 

I submitted a claim with moneylion but haven't heard anything back and I have talked to my bank. But my bank can not do anything since the charges haven't been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from Retrieval-Masters Credit Bureau , Inc. on XX/XX/2018 representing XXXX XXXX for {$300.00} stating is a past due amount. No charge date or purchase date listed as well as any other pertinent information. We don't owe this company anything. Also this is the first such implication of the " debt '' sent to us. Called XX/XX/XXXX at XXXX XXXX. First spoke with XXXX who said the dates she has " don't look right so I'll check. '' Put on hold then phone went dead. Called back and spoke with XXXX who was belligerent and condescending and then hung up. Called back and got XXXX who said he'd go on-line to investigate. Told me " we have no info and you need to call XXXX. '' I contested that and finally he said he would call to investigate and get back to me " in 24 maybe 48 hours. '' Has not returned call. I called XXXX   earlier today and am filing this complaint as instructed. Collection agency information is : Retrieval-Masters Creditors Bureau , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021, I recieved a phone call from Portfolio Recovery Associates whom were attempting to collect debt. The lady I spoke with, XXXX ( refused to give last name ), refused to attempt to validate the debt over the phone. She then proceeded to state that " the debt belongs to you, don't play XXXX games '', when I asked her to send information in the mail to validate the debt. She also refused to verify any information at all to even verify that I was the right person. After this, I did not receive another call from anyone at Portfolio Recovery. 

On XX/XX/2021, I received a summons in the mail for a court case that was dated XX/XX/2021, regarding a garnishment for {$1200.00} from Portfolio Recovery Associates, LLC. The summons is dated as being issued on XX/XX/2021. According to the XXXX City Court, there is no court case with the number provided on the summons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car ( XXXX XXXX XXXX XXXX ) damaged during hurricane Harvey. My car insurance is with XXXX. XXXX appraised my vehicle at {$16000.00} at the time. I received the car loan from ALLY Financial. They paid Ally Financial {$16000.00} on XX/XX/XXXX. On XX/XX/XXXX my gap insurance called ALLY Financial on the remaining balance which was {$3500.00}. My Gap insurance paid ALLY Financial {$3500.00}. XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a bill from ALLY Financial of {$1300.00}. I called at XXXX and talked to customer service and ask why do I have a balance. Ally Financial informed me that they were charging me between XX/XX/XXXX and XX/XX/XXXX because my gap insurance took about three months to pay the remaining. I informed them it was paid in full regardless of how long it took my gap insurance to pay them. Maybe they should charge me late fees but they were requesting three months of full payments. I was paying about {$420.00} a month before Harvey. They told me that is how loans are and they gave me no help and keep hanging the phone on me when I tried to discuss this situation. I need help because it is unfair and that is why I'm reporting this because I do not want this on my credit report and other customers should not go through this ordeal.

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 2018-07-10
Company: EQUIFAX, 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:
Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again. 

I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications. 

Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider. 

I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card? 

I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account. 

Thank You Very Much,

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 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only Transunion removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

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 2018-07-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX claimed bankruptcy and went out of business in XX/XX/XXXX. I was laid off my job in XX/XX/XXXX and my husband is XXXX on social security in XX/XX/XXXX. We have been evicted from our home on XXXX XXXX XXXX XXXX, CA, XX/XX/XXXX. After being homeless we moved to XXXX, CA in XX/XX/XXXX. My husbands health continued to decline and died on XX/XX/XXXX. This company has no right to continue to collect a debt that has already been written off my credit. I never owed them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is at least my 3 complaint against Fay Servicing Only XX/XX/XXXX I requested a refund of XXXX which I noticed was in my escrow account which I never requested. I have followed up with my account manager several times via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Now I am being told I have to call XXXX XXXX for more information, I have provided my number and have not received a return call and when I try to call her all I get is a voice recording while other agents say they will have her call. They very least they could send a message through Fay Servicing portal. 
This is why my account is past due and they are charging me late fees and reporting my account past due to credit bureau. I have attached documentation that I believe is important to resolving this issue. 
Keep in mind I have requested an escrow account, I pay my real estate taxes directly to my county at the end of each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Prosper Marketplace, Inc.
State: VA
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/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well. 
I don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?

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 2021-01-28
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:
Please research then remove the following hard inquiries made to my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
Please research then remove the following hard inquiries made to my credit reports : 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 explanation
Consumer complaint received 2017-08-11
Company: Bread Financial Holdings, 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:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found CCB ( Comenity Captial Bank ) is reporting the fraudulent inquiry generated to XXXX X/X/17.

Company response to consumer: Closed with non-monetary relief