BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2015-08-15
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I began contacting Discover Card for an account I had XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Discover Card ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did we miss or were we late on a payment. Discover, along with several other credit card providers, had found the bankruptcy, in which I did NOT include any debt I owed, and automatically started slowly increasing the interest rate. After several years of paying the invoices we discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Discover did not. We quit paying on the card and continued to demand a refund, which would have resulted in us owing nothing on the card. XXXX when the write-off showed up on credit report I began writing Discover and the credit reporting companies in an effort to have the charge off removed from my report ( see attached letters ). Although I received XXXX response to my XXXX requests, the information requested was never provided. The information I was requesting were items listed on the CFPB site and I referenced the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. This debt was eventually sold and I have had similar contact with the collection firm. They too did not provide the information requested, specifically the information I needed to calculate and show the overcharge of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was never late on this account. I am demanding proof but I haven't received any. 

Dates Late Reported XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: National Credit Systems,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: Old information reappears or never goes away

Complaint:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My PayPal account had worked fine sense XX/XX/2018, with my first transaction with PayPal was on XX/XX/2018. For the last 19 months I have had normal transactions between friends, certain businesses, XXXX, etc. During this time I did not have one complaint or charge back, so it came as a huge surprise to me when my account was permanently closed and funds being withheld immediately after a friend transferred {$720.00} to me. Before this transfer I had checked my account and everything appeared to be normal, no notifications from Paypal of any kind. After the transfer, Paypal said their system flag my account as a security risk, with no further explanation as to why their system automatically did this. Their algorithm is unfair and I havent been able to get a human to override the ban, therefor they are holding my funds for 180 days. Keep in mind this transfer to my account was not so to a sale of any kind, but rather a friend paying me back money that was owed to me so for Paypal to put a hold on these funds is wrong and I believe they are doing this to thousands of their customers, so they can make interest off these individuals to make up for their recent divorce from XXXX. XXXX is taking on a 2nd money transfer service which will arguably cut into PayPals profit margins. Ive researched online to see if this was happening to anyone else and he was shocked to learn how many people have the same issue, where they were flagged for doing nothing wrong. The customers that did wait the 180 days they got their money back, did not receive a penny more which shows that Paypal did make money off of those individuals for 180 days. It is not right, and their buyer guarantee policy of 180 days is what they are claiming is their reasoning to hold these funds, but in this case there is no buyer so why they are holding my money is what Im complaining about. I want them to restore my access to my account so I can retrieve all of my money, and I will never be using them again so they can close my account if they wish after that. I need this money yesterday, and it has cost me hundreds of dollars in late fees by not being able to access it and its getting more costly each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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:
In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed my account after being opened for 30 days or less. Stated that they sent a letter explaining the reason, which I haven received as yet. The problem is, this company has caused by credit score to decrease drastically and I'm currently in the house buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have attempted over and over again to cancel my experience membership. However Experian makes it incredible difficult to do so. I logged on to cancel with no option to cancel ( as shown in photo ). I called in to cancel and the call disconnects itself over and over because I dont want to immediately input my social security as the first thing when Experian automated voice services requires you to do. Even if it allows you to continue to options after skipping, it still requires you to input this information before getting an agent or else it disconnects. 

Where is the option to cancel? I have to update my credit card to be charged or be denied access to my the most basic free membership. This should be illegal. You are forcing people to have a subscription they dont want.

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 2017-05-01
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Reported by XXXX, XXXX, and Equifax, I have numerous old student loans that should have been removed from account going back to XXXX. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint has lied to me and to the CFPB for years now stating that they have approval from the investor of this loan to review me for an assumption and modification because I am not an original signor on the note but was awarded the property in my divorce decree and a XXXX, which makes me the successor in interest. Now, they have dual tracked for about the 100th time and even though I have a letter from them stating otherwise, there is a foreclosure sale date on my house. Shellpoint has been unfair, deceptive and abusive through every step of this process that has dragged on for YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2015-06-27
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter stating that I owed money for my XXXX cell phone bill.  However, I am currently up to date with my cell phone payment and have never fallen behind.  Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections.  The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX and it is now XXXX and my mortgage statement is still showing I have 29 more years to pay off my mortgage. In XXXX I file a XXXX  XXXX due to job lose, but I was still paying my monthly mortgage payment with XXXX XXXX. My mortgage was later purchased my XXXX XXXX in XXXX that reset my mortgage again to 30 years some years later after questioning them, the service of my mortgage was purchased by Rushmore mortgage again being reset to 30 years. I purchased my home for $ XXXX and my balance as of today is $ XXXX. These have refused to report my mortgage to any credit bureaus, I know that I'm being rip off. I know my house should just about be paid off and I had one remod during my bankruptcy but never had a refinance done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX 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