BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-01
Company: MarkOne Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All personal items such as social security, passport, W-2 and paystubs were stolen. 

Police Report was filed with the XXXX Sheriff 's Office. 

on XX/XX/2021 an attempt to link an account from PayPal to my checking was conducted. I cancelled the account and had PayPal remove my account. PayPal would not release the email of the person attempting to gain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was charged with simple assault a few years back, and I have gotten it expunged off my recored. I have recently been employed with XXXX XXXX at XXXX XXXX, and have been in training for a few days now. My XXXX  XXXX contacted me saying that I could not continue with my job, because something was showing on my record. I thought I had everything correct with my record a few weeks ago. I really need this job for my child. I am a single mother that has to support my kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX h

as violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While married we bought a townhouse in a low income area because it was being sold and a friend lived there. During the divorce my husband who works for the government at a XXXX got the townhouse and allowed me to keep our house because of my son living here. He is a honest man living well below his means. The townhouse was bought 16 yrs ago and 5 months. He has always had automatic payments and the mortgage has been sold/transferred several times over the years. We believe it has had more transfers due to the location. The last mortgage holder was Ditech Financial LLC and it was transfer in XX/XX/2019. The XXXX payment counted because he pays around the XXXX of the month before. It was sold/transferred to New Res-Shellpoint MTG with no notice in the mail or email. Normally this isnt a problem because the old company forwards the payments for about 3 months while making sure the owner is notified. Not only did this not happen but they returned his payment for XXXX and XXXX with no information. It went unnoticed due to living below his means and a very low mortgage payment didnt adjust the bank amount enough to be noticeable. It was letters of intent of foreclosure that was the first correspondence he was given that the mortgage holder had changed. He paid right away and wrote the company asking for them to adjust the credit reporting because before that issue he had a perfect credit score. He notified me because it is still listed as joint ownership. I have also written the company which is a Fannie Mae owned company and disputed the reporting because of bad administrative practices. Over 16 yrs with not a single late payment but a company that is poorly run can ruin a perfect credit score. We strongly believe that other owners in this community have had similar issues or even been foreclosed because of being sold to poorly managed mortgage companies buying loans in low income neighborhoods. Please investigate these companies because they give no response to our letters.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
CRA Violation- noty mine accounts are inaccurate PO report XXXX No knowledge

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 2017-10-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am applying for housing because I have changed employers. The apartment property management companies use a third party to score applications, and that party uses Transunion, which reports a " mismatch '' with my information, XX/XX/XXXX. I had been unable to obtain a credit report from Transunion to discover what this means. Online, when I filled in the information to get my credit report, I kept getting 'we are experiencing technical difficulties pop up '. After half a day and repeated calls, I finally reached a person at Transunion who could look at my report and tell me the problem : they have no social security number associated with my name. While thrilled that my information is not being abused, I still ca n't use it. They inform me that I can mail them copies of my id and SS, which takes 3-4 business days to process and another 7-10 business days to update ; meanwhile, more housing apps have been rejected - each of which entails a {$75.00} application fee. Moreover, I see my XXXX report that lists account after account : closed, never late. I have owned a home for the past 10 years and reliably pay every bill, yet when I move for work, my housing application is blocked by an inept reporting company. I tried to file a dispute, XX/XX/XXXX, with Transunion and their page pops up with a 'high volume, try back in 30 minutes ' message, for 5 hours despite refreshing and logging in anew. In the course of logging in, I was able to update my account which had an address from more than 10 years ago. When I try to get a copy of my report, I get a popup that I have already received it, which I have not. The Transunion site states that most disputes are resolved within 30 days, during which time, I 'll be paying XXXX for an extended stay hotel and another month of storage. Who is holding the reporting agency to quality control? I should at least be able to see my Transunion 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 non-monetary relief
Consumer complaint received 2017-07-01
Company: American Credit Acceptance, LLC
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: Problem with personal statement of dispute

Complaint:
I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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 have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. XXXX & EQUIFAX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. XXXX SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Possible Financial 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: Information belongs to someone else

Complaint:
A company named possible finance Inc has a fraudulent account listed on my credit report in the amount of {$430.00}. They can not be reached by phone on by email and no way to speak to representative to dispute and get removed due to fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with XXXX and I have never been late on a payment and I have been making payments since filing. XXXX has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.

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