BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: I.Q. DATA INTERNATIONAL, 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: Account information incorrect

Complaint:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$5400.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
I was recently denied acceptable terms for a mortgage refinance through XXXX XXXX. The reason given was there were numerous inquiries into my credit report 18 plus in the past 12 months. I don't know why the credit report dropped from XXXX to XXXX in a week.

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 2020-07-31
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After purchasing a home with a VA loan my wife and I have received a number of refinance letters from loanDepot.com LLC. We have never had any business dealing with loanDepot.com and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XXXX XXXX loanDepot.com has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from loanDepot.com, with the latest received yesterday ( XXXX XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am emailing in regards to an erroneous account being reported on my XXXX  and XXXX consumer credit report. This company NCB Management is reporting this erroneous account on my report. I have attempted many numerous request by certified mail that NCB Management verify this account belongs to me by providing physical verification such as a signed contract and etc. Section 611 ( 5 ) ( A ) of the FCRA clearly states that this information should be promptly  deleted if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it agency.

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 2021-07-08
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: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2019-03-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I wanted to make CFPB aware of the practices of the XXXX store card offered through Sycrhony Bank. They add-on credit protection services with a letter to cancel within 90 days. I generally prefer not to associate with institutions that would add-on a service without consent and require an opt-out. This is a deceptive practice. I cancelled my card. I just want this on public record and if enough people complain hope that CFPB will look into Synchrony.

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 2018-06-18
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
In early XX/XX/XXXX, I contacted XXXX  about an erroneous item regarding Citibank about an unresolved dispute dating back to XX/XX/XXXX. XXXX  said I needed to contact Citibnak. I contacted my credit card provider, Citicards about the erroneous report on my XXXX  credit report showing an unresolved dispute dated XX/XX/XXXX. Citibank confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX with the appropriate details. The Citibank rep said with my letter, Citibank would send notification to XXXX  to clear the item. 6 months later, I have not had any response from Citibank and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my XXXX  report. I called Citibank today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact XXXX  and that Citibank could not be of service and completely contradicted the instructions I had received from Citibank 6 months prior. I requested a letter from Citibank confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at Citibank in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.

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 2018-11-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: GUARANTEED RATE INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home from XXXX XXXX XXXX to Guaranteed Rate in XX/XX/XXXX. My insurance company XXXX XXXX XXXX XXXX XXXX provided my insurance policy to GR. You'll find in the attachments. The insurance company faxed and called requesting payment and the payment was never received. I received a check from my prior mortgage company, XXXX XXXX XXXX. I called my insurance company and they stated that check must be signed and sent to GR so they can pay the policy. That was done and GR cashed the check on XX/XX/XXXX ( thats provided in the attachments ). The insurance company reached out to GR on XX/XX/XXXX requesting for the payment to be made. Numerous times the insurance company atempted to get the payment to pay the insurance amount and nothing from GR. Now I'm still continuing to receive letters threatening force placed insurance due to " lapse in coverage '' when GR never paid the policy as they should have. On top of this, I had to establish insurance again with my agent and the premium went from {$1100.00} to {$1400.00} which is higher than it should be because GR never paid my insurance as they should have. I spoke to a couple different agents within GR and they claim they do not have the ability to see my check that was sent or the fact that it was cancelled. All they continue to tell me is after XX/XX/XXXX they will force place insurance and my premium will be higher. I spoke to XXXX and XXXX ( Supervisor ) still nothing to resolve this matter. I asked my insurance company to provide me with the dates and attempts to get this resolved and I'll attach to this complaint. This is completely unfair and deceptive. If someone would just take the time to actually review my account instead of telling me they can't see a cashed check I don't think we would be in this mess. I'm absolutely exhausted over dealing with this mess. This shouldn't be like this. A customer who has escrow should not have to jump to ever hoop. 

I must say, I can't believe all of this has happened. The refinance process was the easiest thing I've ever done in my life. Now that this has happened I have the worse taste in my mouth and will never refer anyone again to refi with your company. Never once through this process did XXXX attempt to help she continued to state she needed a reinstatement letter from my insurance company. How can you provide a reinstatement when GR never paid the policy. Due to the error the policy had to be completed AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
PROCOLLECT , INC opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to XXXX  in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through XXXX  but without success. I believe that XXXX  has violated violated the Fair Credit Reporting Act.

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 2018-11-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: VA
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY 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 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged {$29.00} by an Internet Hosting company called Just Host. This service was cancelled XX/XX/18, but they keep charging my card. I complained to the credit card bank Capital One and they have taken all my supporting documents but are still re-billing my credit card. I called Capital One again today and they said they did not receive any supporting documents. This is false. I uploaded all the supporting documents to a special document link they provided me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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