BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Progrexion Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
After signing up with Creditrepair.com as advertised by credit.com where we monitor our credit scores they offered a XXXX discount monthly in which was only honored for the first month and signing up my spouse to take advantage of the 50 % off for having multiple accounts. Creditrepair.com informed me after reaching out by their chat feature and calls the discounts are only honored for one month. We continued to use their service despite the mis advertised discounts. As more than 30-45 days passed we noticed little to no updates on the member portal. We have several accounts with dates from XX/XX/30 untouched. We also uploaded documents to assist with the process and no action was taken from XXXX until XX/XX/XXXX! This company purposely did not work on the items uploaded or Items from XXXX but continued to charge me. When I called I got XXXX on the line who told me numerous times use the website. I cant ask the website why work is not done that I am paying for. After some frustration I got to his manager who put in a Heavy documentation dispute. She informed me it is my duty to call after uploading documents and to review them with a CSR. Nowhere on their site or when I called in or in chats was this told to me. After calling and chatting to keep on top of everything I get another manager who tells me I am wrong and my account was opened in XXXX not XXXX and to look at my service agreement. Im looking at the agreement and it states XX/XX/XXXX. She realized she had the wrong account after I confirmed my sensitive information to confirm my identity. She stated I should call daily if I want any work done or she can cancel my account. Very rude and did not take responsibility for her mistake. I am asking for refund for dates from XXXX to current as services not rendered and promised not kept. Delays on their behalf. Rude Managers and no assistance throughout the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX., XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!

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 2020-04-21
Company: LD Holdings Group, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20 I applied for a mortgage refinance with Loan Depot at www.loandepot.com. A credit score was pulled and I received an email with my loan number : XXXX. Then, I received a call and the representative went over the details of my application and figures associated with the costs of the loan. I requested a Good Faith Estimate so that I could comparison shop. The representative said they the only way to receive a GFE was to first commit to " moving forward. '' I asked how I could do this. He said that I will need to pay a {$490.00} appraisal fee first, and it would be credited back to me when the loan closes. I pressed several times for a GFE without needing to pay the {$490.00} appraisal fee, but he refused. I pointed out that I can not comparison shop fairly without receiving a GFE. The only document that the representative would provide was a screenshot of a generic loan amortization schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of inquirY in my report was inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inquiry listed below. XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft starting in 2017. This company called XXXX  XXXX XXXX has a loan balance that was fraudulently open in the amount of {$460.00} I noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to Experian because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.

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 2020-04-21
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In relation to Hurricane Irma, the federal government decreed relief for the families who were victims of Hurricane Irma, which said that the months of XXXX, XXXX and XX/XX/XXXX would not be reported to the credit bureau agencies, so they would be protected. However, the Quicken Loans company made these three payments late, circumventing the presidential decree for a state of emergency by Hurricane Irma. In  XX/XX/XXXX we were eligible for the fourbance program by making a minimum payment and the minimum payments were made correctly. However, the company Quicken Loans reported late payments to federal credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: UT
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 ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my 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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my 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 2022-09-15
Company: EQUIFAX, INC.
State: SC
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:
ON XX/XX/2022 I SENT A DISPUTE LETTER TO EQUIFAX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. EQUIFAX AND XXXX RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : 1 : ( EQUIFAX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( XXXX ) ORIGINAL LENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND EQUIFAX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to Amazon Commercial Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " Insufficient credit from trade references '' and that is complete bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me 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 explanation
Consumer complaint received 2017-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection listed on my credit file through a company. I do not recall owing an amount stated I do. I would also like to request some validation as the old account I recall having with XXXX was many many years ago and was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This loan was completely paid off and Experian will not reflect it. I disputed it with Experian and this is there erroneous response : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX XXXX OK XXXX This is proof that Experian is NOT investigating ANYTHING when you dispute with them. I sold that car and paid off the loan and Experian is stating that XXXX said it wasn't paid off. I know that Experian did not contact XXXX XXXX XXXX because if they did, this loan would show CLOSED on my Experian report. There is something wrong down at Experian and no one is paying attention to the business tactics

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 2020-04-21
Company: EQUIFAX, INC.
State: OR
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 tried to contract Equifax to order a report freeze. I have tried their website which results in a blank white page. Trying to contact them at XXXX results in a telephone tree which claims that I have non existant open credit accounts and then puts me on " hold '' or bounces me to a long spiel about everything except how to request a credit freeze. I have tried contacting Equifax for several days and still get either a blank white page or a pointless telephone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: CT
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:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX Inquiry Date XX/XX/2020 Finance Reseller EXPERIAN BUSINESS CRED Inquiry Date XX/XX/2020 Credit Bureaus

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 2020-04-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage did an Escrow Analyst in the month of XX/XX/2020. Based on the computer generated analyst, it was determined my New Escrow was short {$2300.00}. This computer generated analyst was based on a " one time '' Local County Tax.I sent a letter to Freedom Mortgage indicating this " one time '' county supplemental tax should not be taken into consideration for future Escrow pay out.- My Home Owners Insurance went down and the Escrow Analysts should not have changed or even lowered. - Based on the New Escrow of an additional {$2300.00}, has now caused my Mortgage payment to go up {$200.00} per month, in which I can not afford to pay any additional money towards my Mortgage. I had a fixed rate I was comfortable with paying and now having an additional {$200.00} per month for a year, I can not afford to pay any additional amount. 

This mortgage will go into default due to the additional {$200.00}, per month, based on an incorrect Escrow Analyst. - I called Freedom Mortgage and they refuse to let me speak to an Escrow Specialist or Supervisor.

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 2017-07-24
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: CT
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:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State Us Department Of Edu Inquiry from XXXX XXXX, XXXX State

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter of debt validation from a company called XXXX XXXX in XXXX, i agreed to pay this creditor to not go on my credit for XXXX XXXX. I finished paying in XX/XX/XXXX. During the last 4 months PROCOLLECT started reaching out to me several times a day as to which on XX/XX/XXXX i asked for a debt validation letter because i had already paid the debt to a creditor who did validate and XXXX was paid in full. The started reporting the debt in XX/XX/XXXX. I've disputed all items and reached out on XXXX  through a complaint. Procollect is stating since the other company is not PROCOLLECT i would have to pay the balance AGAIN to them, which is not true and a scam tactic. They refused to remove this false information on debt that is paid.

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 2017-07-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.

Company response to consumer: Closed with explanation