BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
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 status incorrect

Complaint:
My dispute is in regards to a 30-day late status for my Discover card in XX/XX/2021. I was given incorrect payment information which resulted in the incorrect reporting. I already tried to dispute the issue with both Discover and XXXX  but Discover refuses to correct the error. My household income was reduced significantly due to the COVID-19 pandemic. As a result, I was referred to a covid-19 relief department which placed me on a payment relief payment plan. It appears that the main customer service department and the COVID-19 relief department were not on the same page with the payment agreement. I kept receiving calls about my Discover card being late but when I would contact the relief department, I would be informed that my payment was current. I have never been late with Discover and had I known there was an issue, I would have simply paid the amount needed to avoid the 30-day late status. When I spoke to Discover customer service, the reps had no regard for my situation and were not willing to retract the status despite hearing my situation. The relief department also gave me incorrect info in regards to being current. There was significant confusion between the departments and misinformation provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, 2021 weve made two payments on our mortgage to Nationstar XXXX DBA XXXX MR. Cooper. One via check USPS priority mail mailed on XX/XX/2021, is for XXXX payment the second payment dated via online portal XX/XX/2021 cleared paid on XX/XX/2021 and for XXXX payment. The Payment for XXXX, check # XXXX {$2700.00} via mail MR.Cooper did not apply it into our account until the month of XXXX, and the payment for XXXX {$2600.00} is reversed into our account instead. The XXXX payment is missing just disappeared. Weve learned about the missing payment we login into our account when we made a payment for XXXX, so now the XXXX payment went into XXXX payment because MR.Cooper is refusing to correct the error theyve made on our account. We called several times, fax, and mailed all the paper work from our bank account additionally we had a 3 way call with our bank and an agent name XXXX on XX/XX/2021. XXXX advice us that our account will be corrected by XX/XX/2021. He provided us a case number : XXXX we cant pay our XXXX payment until our account is corrected otherwise if we pay now it be applied to XXXX payment weve already paid XXXX payment. As of XX/XX/2021 our account are not corrected theyre giving us the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX Credit Acceptance- unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.

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 2021-05-27
Company: OneMain Finance Corporation
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:
XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX One Main- unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called about a XXXX money that I wanted to transfer esto my account. The number I called for XXXX was in XXXX so I dial it, they said that for me to get that money back I had to open a wireless transaction to them and see if they receive so they can send me money. So I went to XXXX on my bank they gave me the instruction and I did it, they always said transaction did not go through so they ask me to keep on trying. I did until I notice something was not right and called the bank.

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 2019-09-12
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:
XXXX breach has caused two items on my credit report to be inaccurate

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 2021-07-16
Company: EQUIFAX, INC.
State: TN
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:
I have a complaint about this bureau. This bureau is incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by announcing inaccurate accounts on their site without my authorization. I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: I.C. System, 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:
XXXX breach has caused two items on my credit report to be inaccurate

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 2020-07-28
Company: Turning Point Solutions LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.

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 2020-05-19
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: Information belongs to someone else

Complaint:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Account information incorrect

Complaint:
HELLO, THE AUTO LOAN ACCOUNT WITH XXXX  SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER XXXX IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Direct Recovery Services, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Direct Recovery Services is placed on my credit report illegally. I have no knowledge or contract signed with the company. My privacy and consumer rights have been violated by a company that I have not agreed to conduct business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: NM
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:
The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXX XXXX  XXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account

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 2020-08-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I received a letter dated XXXX from XXXX XXXX XXXX XXXX, XXXX Sweet XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed Synchrony Bank/Paypal Credit {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, XXXX XXXX XXXX XXXX is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with Synchrony Bank/Paypal Credit made me suspicious. I checked my account with Paypal credit online and it shows a balance of {$0.00}. I called Paypal Credit, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from XXXX XXXX XXXX XXXX. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}

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 2020-05-11
Company: Experian Information Solutions 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:
It has been nearly three months since I first reached out to Experian, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent Experian, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and Experian after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, Experian, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. Experian recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

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 2021-05-27
Company: Bread Financial 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of Identity Theft I have a valid ID theft report from the FTC # XXXX The original lender discharged debt in XXXX  and now this collection agency is calling constantly and reporting a debt that originates as fraud and is severely harming my credit. I have notified them in writing more than twice now and they remove the debt and randomly start re-reporting which should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
transunion I've contacted them with 3 disputes letter stating that their were inquiries that were incorrect on my credit profile under section 609 they have legally send legally document of the creditor stating that they are mines. 
section XXXX and XXXX unverified items must be deleted immediately Transunion has not responded to my disputes

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 2018-06-13
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan officer, XXXX XXXX ( NMLS XXXX ) of XXXX XXXX, XXXX, clearly explained to me that if I closed in XXXX that my closing paperwork would include the interest for XXXX ( to be paid by me at closing ) and that my first mortgage payment would not be due until XX/XX/XXXX. I emailed and called him to clarify because I had a final rent payment due XXXX. He assured me that the closing paperwork already included XXXX 's interest and that my first payment would be due XX/XX/XXXX. When it came time to close, the paperwork was not written the way he explained- there was no interest in the closing numbers and my first payment was slated to be XX/XX/XXXX. XXXX, who was at the closing, became quite confused, insisting he had never heard similar terms. He tricked me into closing by outright lying to me about the terms. While I agree it is my responsibility to understand my numbers and disclosures, I asked specific questions to my loan officer, who misled me and fed me false interpretations of the numbers to his benefit and my detriment. 

I have attached our email chain where I was told with no uncertainty that my first payment would be in XXXX. I have also attached evidence of our follow-up phone call- while I do not have a recording, it shows XXXX and I spoke for almost six minutes immediately after he emailed me. During that phone call I explained that in my experience, if one closes on a house in the beginning of the month, one pays the first mortgage payment in the following month. XXXX told me in that conversation that my thinking was incorrect. He said that he had many year 's experience, and that I had never financed a house in this state so I should trust his expertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions 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:
On XX/XX/2021, I filed a disputes with Experian, XXXX  and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

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