BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 SENT SUPPORTING DOCUMENT TO TRANSUNION MULTIPLE TIMES VIA CERTIFIED MAIL PERTAINING TO A BANKRUPTCY THAT DOES NOT BELONG TO ME. I CALLED TRANSUNION ONLY FOR THE XXXX XXXX IN THE FRAUD DEPT TELL ME THAT HE WILL NOT REMOVE THE BANKRUPTCY EVEN THOUGH I SENT IN THE SUPPORTING DOCUMENT. THE XXXX XXXX GOES TO STATE THEY DID NOT RECEIVE ANY DOCUMENTATION. I TOLD XXXX THAT I SENT IN DOCUMENTATION IN XXXX XXXX  CERTIFIED AND TRANSUNION SIGNED FOR THE MAIL, ALSO I HAVE SENT IN DOCUMENTATION THROUGH CFPB THAT TRANSUNION CLAIMED THEY NEVER GOT. I CALLED US BANKRUPTCY COURT AND I REQUESTED HOW THEY VERIFY DISPUTES WITH CREDIT REPORTING AGENCIES. I WAS TOLD US BANKRUPTCY DO NOT VERIFY OVER THE PHONE NOR DO THEY VERIFY ANY INFORMATION WITH THIRD PARTY COMPANIES OR CREDIT REPORTING AGENCIES SUCH AS XXXX, TRANSUNION, OR XXXX, ALSO ONLY THE LAST XXXX DIGITS ARE SHOWN FOR A BANKRUPTCY NOT THE FULL SOCIAL. I HAVE NOT FILED BANKRUPTCY! TRANSUNION HAS NOT VERIFIED WITH THE ORIGINAL FURNISHER WHICH IS THE BANKRUPTCY COURTS! IF CFPB IS SUPPOSED TO SEND MY ATTACHED DOCUMENTS WITH MY DISPUTE THEY HAVE NOT BEEN DOING SO! TRANSUNION STATED THEY HAVE NOT GOTTEN ANY DOCS FROM CFPB SO SOMEONE IS NOT DOING THERE JOB! NO CONSUMER SHOULD HAVE TO SHOW BURDEN OF PROOF WHEN THEY CLEARLY IS UNAWARE OF SOMETHING ON THEIR CREDIT THAT DOES NOT BELONG THERE. I WILL ALSO BE COMPLAINING TO FTC ABOUT CFPB NOT SENDING SUPPORTING DOCUMENTATION WITH DISPUTES FOR CFPB! I HAVE SENT IN A COPY OF MY PASSPORT, MY BANK STATEMENT FOR ADDRESS CONFIRMATION, AND THE LETTER THAT STATES, " THE BANKRUPTCY WAS NOT VERIFIED ''. AND TRANSUNION STILL REFUSE TO REMOVER ERRONEOUS BANKRUPTCY! TRANSUNION IS A LIE! THIS IS MERELY A PAPERTRAIL FOR ME TO PRESENT IN COURT! I HAVE HAD ENOUGH! REMOVE THE BANKRUPTCY IMMEDIATELY! I TAKE MY CREDIT SERIOUSLY! I HAVE ATTACHED DOCUMENTATION FOR THE LAST TIME!

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 2020-02-21
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be 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
Consumer complaint received 2020-10-08
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a refinance for my home with Rocket Mortgage around XX/XX/2022. Everything was moving along until we came to getting the Payoff letter from XXXX XXXX XXXX ( XXXX ), my current loan servicer. According to Rocket, the payoff letter sent by XXXX, did not include a " XXXX XXXX '' from XXXX XXXXXXXX. Therefore, the title company held the title with the XXXX XXXX and would not release it. Now my interest rate lock, as well as my appraisal money that was charged on my credit card, are now in jeopardy. 

I got on the email and group everyone together on an email Rocket, XXXX XXXXXXXX, XXXX and XXXX ( XXXX is an arm of XXXX. XXXX was my initial servicer, when they transferred my mortgage to XXXX for servicing ) letting them know that, my interest rate would be expire on the XXXX of XXXX ( ( this started in XXXX ), if i didn't get a corrected payoff letter in a timely manner. Well, i didn't get the letter until the day of the XXXX - 3 month later! Rocket Mortgage will not honor the interest rate, and the interest rate went up, even though XXXX sent it on the XXXX. Rocket has been calling me and trying to push me into the higher interest rate refinance- i don't want a higher rate, that is not in my best interest! 

Now i can not refinance with any bank, because i wasted 3 months waiting for the corrected payoff letter from XXXX. Interest rates have gone up even higher, than what was locked. NONE of this error is my fault. I am not sure why i was penalized by not getting the rate i agreed to, and losing {$500.00} in appraisal that Rocket told me i will not get back, even though the letter came on the day of the XXXX. This is not FAIR! I am back to square one!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a special promotional offer last year on XX/XX/2020 promising double cash back on my credit card account up to {$45.00} cash back ( attached ) - 4 % : 2 % standard + 2 % promo. I activated the offer as requested and spent $ 2000+ on that billing cycle, which is beyond the needed spending to maximize this offer ( 4 % of {$1100.00} = {$45.00} ). To this day, I have not received the {$45.00} rewards 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 monetary relief
Consumer complaint received 2020-02-21
Company: Rocket Mortgage, LLC
State: FL
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/2020 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details, the alert noted an inquiry was completed on XXXX, XXXX and XXXX by Quicken Loans. This unauthorized inquiry decreased my credit score by a total of 9 points and moving me down from an excellent credit standing to good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27
Company: Paypal Holdings, Inc
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following is a copy of an email I received thanking me for a payment. The sender identifies themselves as being from PayPal. I do have PayPal accounts and checked the accounts. No money was withdrawn from the accounts as far as I can see. 

Thank You. 

XXXX XXXX Pay-Verification Team XXXX XXXX XXXX, XXXX, XXXX XXXX  Dear XXXX XXXX, Thank you . Your prompt payment for the invoice XXXX has been received. Much appreciated. 

Have a great day and good health! 

Print your receipt here : XXXX date : XX/XX/2022 Receipt date : XX/XX/2022 Bill To : Customer ID XXXX XXXX XXXX XXXX XXXX  XXXX Unlocked 1 {$690.00} {$690.00} Amount due {$00.00} Total {$690.00} USD Please Note : It may take 24-48 hours for the transaction to appear in your Bank statement. 
If you did not authorize this purchase, contact us immediately at XXXX XXXX XXXX XXXX ( Please wait for a call back in case we miss your call ) We will refund the full amount if you cancel the order within 24 hours. Thank You! 

PayPal, XXXX ( XXXX ) XXXX XXXX XXXX ( Customer Relation XXXX ) Attachments area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: ENCORE CAPITAL GROUP 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:
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/XXXX and spoke to one of their management team XXXX XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!! 

Instead of ACTUALLY investigating this on XX/XX/XXXX MIDLAND FUNDING LLC responded to my complaint made via the CFPB portal stating that they could not locate an account for me. HAD THEY ACTUALLY read my complaint and investigated my complaint they would have found that the account that was fraudulently opened was done so UTILIZING MY SOCIAL SECURITY NUMBER WITH A DIFFERENT NAME that is NOT ME. MY CONCERN IS THE FACT THAT MY SOCIAL SECURITY NUMBER IS BEING TOED TO A DIFFERENT NAME THAT AGAIN IS NOT ME THEREFORE OF COURSE YOU WOULD HAVE NO ACCOUNT MATCHING MY NAME BECAUSE I NEVER OPENED ANY ACCOUNT AT ALL!! However, this debt is being reported on MY CREDIT REPORT UNDER A DIFFERENT NAME, THAT AGAIN IS NOT ME!! This is my 2nd COMPLAINT TO THE CFPB I WAMT THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS AS THIS DEBT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/20 called Victoria secret to see why my account was closed. Balance was XXXX and I had paid last payment in XXXX! They closed my account for inactivity and some other reason! They stated even though I was in good standing when they closed it they could do nothing! I had a period of no job and moved across the country! They stated they do not determine this! They could do nothing! I feel as if they waited for my balance to zero out and closed it! My score has dropped due to no income! But it actually has risen this month so why would they close my account this month! I am so dumbfounded! I feel as if they are mistreating consumers! Comenity bank and Victoria secret have left me with a dropped score now due to them closing my account unjustly! They gave me no number to contact comenity told me to write a PO Box ! I have another account will they close this as well behind my back! I got account assure you aid in having anymore financial trouble! Im very hurt! How can we build credit if you close accounts behind our backs unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.

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 2017-09-27
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:
XXXX XXXX XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are only 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Per Chrysler 's own communication, the account was charged off on XX/XX/2020. They have provided me no 1099 reporting whatsoever, thereby violating United States Tax Code. They are failing to report tax withheld on this transaction despite my repeated requests for proper reporting to the Internal Revenue Service.

In addition to violating tax code, Chrysler continues to send out a repossession outfit harassing me and trespassing on my rights as a private civilian consumer. This is not ok when the matter should already be resolved in full with a XXXX  balance.

Company response to consumer: Closed with explanation