BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Credence Funding Corporation
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through Credence Funding Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. We closed on XXXX. The first payment was due on XX/XX/XXXX. I was XXXX   in XXXX and sent my payment to Credence Funding on  XX/XX/XXXX they cashed my check for {$820.00}. I then received a notice that my mortgage had been sold to XXXX XXXX XXXX  XXXX XXXX, IN XXXX. The funds from my first payment has never been transferred from Credence Funding to XXXX XXXX. This has resulted in account being late every month. I have a copy of the cashed check by credence. I am hoping someone can assist me in getting this straightened out. Thanks in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY INDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS USING MY PERSONAL INFORMATION FOR THIER GAIN I AM VICITIM OF IDENTITY 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 2020-01-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down

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 2020-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2022-09-15
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Hello I am submitting this complaint withoit error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

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 2016-01-04
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX accounts were opened under my name without my authorization. When I inquired about the accounts with the bank, the bank presented me with an authorization card with a signature purporting to be mine. I never signed the document they presented. I have been waiting for the results of their internal investigation for over two months and have not received any information from the bank as to who forged my signature or why those accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive a statement from Comenity Bank for my payment on XXXX  XXXX. I have always received a statement and have always paid my bill on time for years. My payment was due on XXXX and I missed it because of no statement was received. I did not receive a phone call or email from them about my late payment until 10 days later, today. I looked at my account and realized I never received a statement and they charged me a {$27.00} late fee. I made my payment immediately online and called and spoke to Ms. XXXX, a supervisor. She told me they can not credit my account back the late fee since XXXX  XXXX was in bankruptcy. I explained to her Comenity Bank is not in bankruptcy, therefore they should be able to reverse the fee. She lectured me on the mail service, how it works and it is not their fault the post master did not deliver my mail. I did explain I have received all my other bills just fine ... again a lecture about the post masters. She was very rude, condescending and spoke to me as if I was a child. I believe during Covid Comenity Bank should make exceptions due to financial problems for all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Called for a replacement card, old card lock wasn't able to use it.called customer service which is Direct Express for a replacement on XXXX XXXX, their not answering the phone same recording comes on no help.Meanwhile rent an bills aren't. Recording says card is in the mail I haven't received it yet. Please help me I've done everything I thought would work but it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
State: MA
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:
1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a Best Buy Credit card.

2. Best Buy used fake information provided by XXXX  to deny me credit.

3. XXXX  will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation.

4. XXXX  appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. Best Buy states that I was denied credit base on my XXXX XXXX XXXX ratio. Since my debt vs. income is very good, this is an impossibility.

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 2016-04-22
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Two loans taken out on XX/XX/XXXX unsub XXXX, sub {$5500.00} for fall term XXXX. I withdrawn on XX/XX/XXXX winter quarter XXXX. Funds were not returned to the lender ( Bank of America ). Unsub and sub loan funds were used in creating two Unauthorized unsub ( {$3300.00} ) and sub ( XXXX ) loans on XX/XX/XXXX changing grade level from ( 3 ) to ( 1 ) and listing on all four federal student loan disbursement notice incorrect total loan amounts. All four notices listed {$10000.00} ( 2 ) and {$10000.00} ( 2 ). All four notices do not have loan ID # numbers on my NSLDS. Unauthorized second MPN for direct loans was not signed by me. The XXXX University employees in the financial aid forged my signature by typing my name on an unauthorized MPN for two loans {$1000.00} and {$8500.00}. Grade level, credits earned, and ungraduated status, changed to Graduate student were changed and other loans taken out. Loans were hidden from and listed on general ledger as fall, spring, winter and summer charges. Part-Time student tuition fees added to standard allowances plus loan fees totaling XXXX. Overcharging me tuition/fees {$88000.00}. Police report filed forged signature and fraud. DL loans listed as financial aid funds on student general ledger. Bank of America wont produce loan documents because I never signed a any loan applications

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 2022-02-19
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine & Weiner has reported an adverse action to CRA without notifying the consumer of the debt 's existence and has not notified consumer of their Rights under the law. This is the second violation of this kind by Caine & Weiner against me. This company refuses to adhere to Title 15 of the United States Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Credit Karma, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I use credit karma to monitor my credit. I know that XXXX of their partners is XXXX XXXX. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from XXXX XXXX in my email. I didnt no apply for any of their products. I didnt not authorize Credit Karma to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.

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 2016-04-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off, collection and sold to another company unsecured. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have tried to contact XXXX by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX and Transunion is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.

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 2020-08-05
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: Investigation took more than 30 days

Complaint:
I disputed a late payment from XXXX XXXX it took longer than 45 days did not delete

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: DISCOVER BANK
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS National Services is attempting to collect a debt that I do not owe. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlementpayment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA..

Company response to consumer: Closed with explanation