BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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 status incorrect

Complaint:
Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. XXXX payment was paid on XX/XX/XXXX for XXXX payment, XXXX check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that XXXX XXXXXXXX XXXX  company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to XXXX XXXX  company dated XX/XX/XXXX and was deposited by XXXX on XX/XX/XXXX. ( all XXXX payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to XXXX to clear false report to credit bureau but nothing was done causing us more stress. How can I be late XXXX days when all payments were made on time and according to our contract with XXXX when XXXX purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. XXXX has provided false information to credit bureau causing damage to our 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
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-16
Company: EQUIFAX, INC.
State: PA
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:
According 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

So for this account with XXXX XXXX XXXX XXXX XXXX Account number # XXXX they have broken this federal law for XXXX and XXXX payment. They have treated late payments on all my credit profiles XXXX, XXXX, Equifax which is illegal under an open end consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: General Motors Financial Company, 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:
This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
Experian refuses to respond to my dispute to remove this old outdated account from XX/XX/2014 almost 9 years old. This is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My American Express Serve Card was stolen from me on XX/XX/XXXX. I filed a police report and called Amex Serve to report my card as stolen the same day. I also informed Serve customer service that there was an unauthorized pending ( still processing ) charge of {$79.00} on my account at XXXX XXXX # XXXX by the thieves that was fraudulent and requested that a dispute be initiated so that I can get reimbursed. I checke d my account on XX/XX/XXXX and discovered that the fraudulent transaction had been processed and completed by Serve and the funds had been deducted from my account. I called serve for an explanation and they told me that I had to call a different department ( account protection services ) and file a formal dispute, complete a declaration of fraud form, in order to get reimbursed. I called Serve account Protection Services at XXXX and filed my dispute/fraud claim which was received by Serve on XX/XX/XXXX. It has been over ten days since I filed my dispute and I have not received a credit ( provisional or permanent ) on my account for the unauthorized charge. According to the American Express Serve terms and conditions for resolving disputes which are published on their website, dispute investigations normally get resolved within 10 business days. A dispute investigation may take up to 45 days to complete however, In such cases, a provisional credit is issued to the cardholder 's account within 10 business days of Serve 's receipt of the dispute so that the cardholder can have use of their money during the time it takes serve to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I created a {$51.00} check to be sent to XXXX XXXX through my bank Chime on XX/XX/23, but I realized it would take too long to get to XXXX XXXX. Since the bank is virtual I have no physical checks, the physical check is made and sent by Chime for me. I called into Chime customer support the same day on XX/XX/23 and the support representative said were able to stop sending the check and sent me a confirmation email that the check had been cancelled. However, on XX/XX/23 I received an email from Chime that my check to XXXX had been cancelled. Ive called in and received various emails from support ( all the same irreverent response ). But they have not been able to remedy their mistake. I should not have to lose {$51.00} because of Chimes mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My credit was damaged, they have defamed my character with these fraudulent charges! I do not know/Authorize Phoenix Financial XXXX Nor do businesses with them at all! 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Phoenix Financial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects

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 2023-11-19
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXXXXXX XXXX  sent me a debt collection and the company is lying about the account and when I made a payment last. This is a paypal credit account that synconry bank bought after I had a huge issue with paypal and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my paypal account until I get things worked out with paypal. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a female manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.

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 2023-10-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: MOHELA
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:
First of all, I qualify for the PSLF loan forgiveness. Mohela has miscalculated my payments and time in service. I would like a resolution to this. I believe that they deliberately miscalculated my loans so that I would not be able to close out my loans during the TPSLF period. But now that deliberate miscalculation means that I am stuck in the same situation. 
On the other hand, they keep sending me emails to tell me that loans are restarting but their website is down and has been for some time. 
How am I supposed to manage my loan payments when I can not even sign into the lenders website. The complaints against Mohela are numerous and they are still permitted to hold loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an automated call, informing me that my credit limit was reduced. There was no way to reach a live person from that call and I was required to call back to a different number to reach a person. I had to speak to a supervisor before I was directed to a different department. The customer service person told me that they could not lower my interest rate but that someone in hardship could. When I spoke with someone in hardship, they said that they didnt do that sort of thing and that I needed to speak to someone in customer service. I explained to them that while Im trying to pay my credit card each time I make a payment that reduces my debt to them they reduce my credit limit which reduces my credit score again. Ive asked for consolidation loans and other options short of closing the accounts and each of my credit card companies Just says theres nothing they can do.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX that was the complaint that the cfpb allowed transunion to dictate what trasnsunion was going to do. i was supposed to hear something in 60 days and well over a year later im still waiting. meanwhile transunion still reports false information if they report anythingb at all. on several occasions they reported blank, empty reports. This has gone on long enough. i want my life back.And I want transunion to pay for the damages done to me physically and emotionally. I want it done now

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 2023-10-22
Company: Debois, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not a cobuyer on this account but they are reporting this in my credit. I have called to find out how and why they just tell me they have this and I'm on it but have not provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
This is the only card I've ever had that makes it next to impossible to use your card. The only way you can make payments is through using the actual card number and exp date as a credit or debit transaction. That's okay for household utilities, but what about credit cards and other bills? They provide no routing and account number that will allow you to pay other bills. So your options are credit debit transaction or withdraw from an ATM. As XXXX  card designed for elderly and XXXX, this is ridiculously inconvenient. They used to offer a direct bank transfer for a small fee though it took 3 to 5 business days to hit the other account, at least it was something. They stopped the service with no warning or explanation over two years ago, but it's still featured on their website and customer service still tells people it's available ( if you manage to reach someone ) and it still lets you start the process, and takes the money out of your XXXX account for a few days just to bounce it back to your card and leave you floundering trying to figure out how to transfer money to a legitimate account each month. XXXX XXXX? Blocked. XXXX XXXX and XXXX? Blocked. XXXX transfer? BLOCKED. And that's on top of the countless complaints of fraud and issues with ATM machines where people get a receipt for a withdrawal but no money. Please! The government needs to find another vendor and shut them down. It shouldn't be so hard to use your own money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDELENTLY. 

XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT 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 2023-10-22
Company: Self Financial Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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