BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
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 information incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion have been using my credit report for inaccurate reporting, i have so many inaccurate inquiries on my credit report from transunion and would like them removed.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt and it is not mine.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore they are reporting misleading false accounts

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 2023-10-18
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiries reported in my 3 credit Bureaus credit file. 
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

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to express my extreme dissatisfaction with Transunion 's handling of my identity theft complaint sent on XX/XX/ Certified mail Number ( XXXX XXXX XXXX XXXX XXXX ) I sent in the following : 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Which requires the block the fraudulent information on a consumer report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

As per the Fair Credit Reporting Act ( FCRA ), Transunion is required to block any information related to identity theft within four days of receiving an identity theft report. However, Transunion has failed to comply with this requirement, leaving me vulnerable to further fraudulent activity.

Despite my repeated attempts to resolve this issue with Transunion, I have received no satisfactory response. As a result, I am now left with the burden of dealing with the aftermath of identity theft, including financial losses and damage to my credit score.

I am deeply disappointed with the lack of attention and care that Transunion has shown towards this matter, and I demand that immediate action be taken to rectify the situation. I expect Transunion to comply with the FCRA and block all information related to identity theft immediately just like they should have done in the original ( 4 ) four-day time frame as required by the FCRA. 

If this issue is not resolved promptly, I will be forced to escalate my complaint to the appropriate regulatory authorities.

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 2020-04-01
Company: EQUIFAX, 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 am a victim of identity theft. The information listed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX Credit Card : Comenity Bank. 
This account was paid in full and closed in XX/XX/2022. Since the payoff and closure, this company has continued to charge fees amounting to {$150.00} on this account and refuses to reverse them, even though I paid 100 % of my balance and requested the account be closed. They are now reporting that I am 30 days late paying them to the credit bureaus without sending me a single statement explaining the fees or why I am being charged. This is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a fixed rate 30 year mortgage at 5.75 % that originated XX/XX/XXXX. Ditech XXXX serviced this mortgage loan beginning in XXXX until XX/XX/XXXX. It went into bankruptcy and the loan was purchased by XXXX XXXX and they began servicing the loan in XXXX, XXXX. In XXXX my total annual interest paid to DiTech was {$8200.00} or {$680.00} average per month. In XXXX my total annual interest paid to DiTech was {$7200.00} or {$600.00} average per month. For the 3 months in XXXX that DiTech serviced the loan, interest paid was {$1900.00} or {$640.00} average per month. This represents a {$36.00} average increase per month over XXXX 's average of {$600.00} on a fixed rate mortgage. 

DiTech failed to provide a closing statement when the loan was sold to XXXX XXXX in XXXX. They have declared bankruptcy and there are no records on their website regarding my loan. The loan balance also does not reflect the additional payments made towards principal during the first 3 years of the loan from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: OK
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:
Please see attached correspondence mailed to Experian. Experian followed with an email ( also attached ) stating that it appeared the dispute didn't come from me. This is a ridiculous response and evidence that Experian is using automation to avoid actual investigations. I provided a driver license, social security card, and a bank statement as identity verification.

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 2020-02-17
Company: GVA Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got into a loan agreement with Riverbend Finance , LLC on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$600.00}. I was charged an interest rate of 648.75 % with 7 payments of {$240.00}. So far I have paid {$740.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$600.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX30 Days 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 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 2020-02-17
Company: BlueChip Financial
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got into a loan agreement with Spotloan on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$800.00}. I was charged an interest rate of 460 % with 10 payments of {$260.00}. So far I have paid {$790.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$2600.00} on a {$800.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

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 2021-03-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1 ) I have submitted my PSLF certification documentation as I do each year from my federal employer, the XXXX. XXXX is delaying the certification of my payment history for XXXX. It keeps saying it is still evaluating my employment. The company 's website also says it has reached a determination but its letter sent to me keep asking for more time to evaluate. I believe it is intentionally delaying certifications of XXXX forms. 

2 ) Please provide detailed statements for all loans from XX/XX/XXXX to XX/XX/XXXX and count these towards PSLF. I was employed at the XXXX XXXXnd made qualifying payments. XXXX has inaccurately marked the loans as in forbearance or deferment or no payment due. This is not true. It must correct its error and count these months towards XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2020-02-17
Company: FC HoldCo LLC
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 status incorrect

Complaint:
Flagship XXXX XXXX is adding late charges to original note even after the automobile has been reposed. This caused credit scored to be lowered by 3points

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 2020-02-17
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a chapter XXXX. Once my chapter was completed and about to be discharged the mortgage company sent me a notice of default. I contacted my bankruptcy attorney and they contacted the attorney office with documentation showing I had made all payments and everything thing was supposed to be put on hold while Shellpoint did their research. Well it has been two weeks and I received a certified notice XX/XX/XXXX of notice of default from Shellpoint Mortgage. During my bankruptcy I fell behind so on XXXX of XXXX we made a agreement for me repay XXXX with a Stipulation on motion for relief from stay. This document was filed in bankruptcy court. I paid all payments as agreed. I sent them proof of my payments and they are still saying I owe XXXX, XXXX. They have not provided me with how I owe this amount when I XXXX of XXXX I owed XXXX, XXXX which I paid and provided them proof of payment and now I am in default for the XXXX, XXXX. This makes no sense. Shellpoint has clearly made and error. When I first filed my bankruptcy I owed XXXX, XXXX which was paid in my bankruptcy by the trustee so I have no idea were this amount comes from. Also when I first filed bankruptcy my loan was with another a company called XXXX XXXX XXXX XXXX and sold to Shellpoint on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over a couple months ago I sent HP SEARS a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. HP SEARS RESPONDED by sending me Itemized list of alleged charges they claim I owe and not what I ask for to Validate the debt. HP SEARS did not provide me with some of the following, I ask please provide me with copies of any papers that show I agreed to pay what they claimed I owed, explain to me how you calculated what they say I owe. They did provide me with any paper to show that they are even licensed to collect in my state. So I also notice that HP SEARS was still reporting a collection on my credit with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I sent this company a follow up letter to explain to them that I do not agree with what they sent me. It was later deleted from my credit from all three credit bureaus for maybe three weeks. H.P SEARS has placed it back on credit with out any letter or proper validation of the debt! I kept all copy 's of the letters that they sent that I need to show they did not follow the FTC, or the FDCPA guide lines of what constitutes proper debt validation. 
Additional Information About You ( optional )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: General Motors Financial Company, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   XXXX Trans Union Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

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