BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-15
Company: Experian Information Solutions 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:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 2023-12-15
Company: Experian Information Solutions Inc.
State: DE
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-11-05
Company: PLAZA HOME MORTGAGE, INC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we bought a home and was told in the closing that we were on a fixed escrow. At the closing if the mortgage, we were informed that our contract had to be honored, regardless who bought our mortgage. Include in our mortgage plan is as follows : Principle and Interest- {$470.00} Hazard Insurance Reserve- $ XXXX County Property Tax Reserve- {$32.00} Monthly PMI/MIP/USDA Reserve- {$61.00} Flood Insurance Reserve- {$74.00} Everything in the included escrow plan above equals {$730.00}. After 1 month of closing, Plaza Home Mortgage Incorporation bought my mortgage.After a year of service, the company didn't pay our insurance both, flood and homeowners insurance. After being informed that our policies had been canceled, I contacted the company but was unable to get the matter resolved. Plaza Home Mortgage Incorporation informed me that they didn't know who to send the money to. I reminded a Plaza Home employer of the contract and they informed me that they would send a payment to both companies. I followed up with insurance agencies to see if my premiums had been paid but I was informed by both companies that a payment was not sent to them. I contacted the company again and they informed me that the money was sent in later. Plaza Home Mortgage Incorporation has for-fitted the contract. Neither insurance agency company was paid. Although the money was taken monthly, my insurance policies were not paid by Plaza Home Mortgage Incorporation. Plaza Home forced placed insurance on us and our new mortgage payment XX/XX/XXXX will be {$1000.00} a month. As stated earlier, we were informed at closing that whoever bought our mortgage would have to honor the contract. We were fixed on a 30 year plan, paying the amount of {$730.00}, unless property taxes rise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received alert that my credit report received a hard pull from a Comenity cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX. 
I disputed with XXXX, but Comenity stated the account was mine and less than XXXX I received a response from XXXX that company stated account was mine and that it was staying on my account. I reached out to XXXX XXXX XXXX  and realized this company was pretty shady and had other people reporting same thing happening to them.I then reached out to you all and after a couple month received a letter stating they dont show record of me. all i want is for my credit to be update with them removed because i never applied for anything with their company. why much people be so crooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to have the XXXX XXXX office show me where I owed them money, & they never provided me with a bill / invoice before sending me straight to collections. I still have not seen the itemized bill for what I supposedly owe. Now that I am trying to get to the bottom of this as it is effecting my credit, I can't get ahold of the collections agency. I think they are no longer operating. The company is called Merchants & Professional. None of their phone numbers/ websites are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-05
Company: CITIBANK, N.A.
State: MN
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:
XXXX, is illegally reporting my credit information to Macy 's credit card Services On a monthly basis without my knowledge? 
Macy 's didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from XXXX they reduced my credit limit? 
XXXX is selling my information and want to sue them.

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 2023-12-15
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: WA
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:
I do not recognize these credit inquiries and I have asked the bureaus to remove them and they have not done as I asked. I'm providing an identity theft report and requesting these to be removed because they are inaccurate and not mine

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After over 20 years of having accounts with Bank of America ( BoA ), BoA decided to close all of my and my business accounts with only a 30 day notice. They also cancelled my credit card immediately without notice. I tried to obtain an explanation from BoA, they would not provide one. We opened our business accounts at XXXX XXXX XXXXXXXX XXXX now they have just informed me that they too will close all accounts on XX/XX/23 with explanation. I may have to close my business because of these actions. I need to know what is the issue.

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 monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-09-07
Company: GREENSTATE CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Someone was writing checks and i had a XXXX  XXXX and when i got out from recovery i noticed the problem right away and called the financial institution to correct the problem i recently filed an identity report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion needs to have this removed from my credit report as this is hurting my credit. XXXX and XXXX already remove this from my credit reports. 

I was told by the XXXX XXXX representative that in exchange for me paying off this debt that I fell behind on that they would delete the debt from my credit reports. XXXX and XXXX had this deleted off my report. Can someone please help have this deleted off my Transunion report as well.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 2023-12-15
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-09-07
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have federal loans that are accruing interest. I was transfered from great lakes to nelnet in XXXX. My payment date amount and date has not been updated yet for what I am supposed to pay in XXXX. It still has a payment of {$0.00} and due date of next year. I hear of people getting through on the phone after 3 hours but I can not sit on the phone that long due to work. I have emailed them with no response. Also their website crashes constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a checking account with Discover bank because they were offering XXXX, as they decided to no longer offer XXXX, I decided to close my account with Discover and enroll my phone number with another bank that has XXXX, Discover bank has put restrictions on my phone number for no reason that is making it impossible for me to enroll my phone number with XXXX through another bank. I have been trying to get this resolved for the past three months, I am hoping with your assistance that they remove those restrictions in place so that I can enroll my phone number with XXXX at another bank. As I have closed my account with Discover 3 months ago. Please help get this resolved as soon as possible, as I am a law abiding citizen, and never had any issues using XXXX. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Company haven't remove incorrect address

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 2023-02-12
Company: EQUIFAX, INC.
State: NC
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:
Equifax are still reporting inaccuracies with creditor XXXX XXXX specifically the payment history which is negatively impacting my score! 

Per Equifax I can file a dispute online for inaccurate information. On XX/XX/XXXX I filed the dispute labeling inaccuracies In less than one day Equifax returned a status with no action on the XXXX XXXXXXXX XXXX and instead updated the delinquency date to XX/XX/XXXX and lowered my credit score XXXX! This makes it appear as if I have a recent delinquency when this account was discharged XX/XX/XXXX through Bankruptcy Per my complaint from XX/XX/XXXX see complaint number XXXX XXXX XXXX  admitted to a delay in processing my Bankruptcy XXXX XXXX XXXX yet still reports delinquencies of charge off statuses on my account which is inaccurate the account never went charged off as I filed BK XXXX before they went PAST DUE. You cant charge off a BK AS IT IS DISCHARGED. Per my rights to Fair Federal Credit Reporting, if unable to verify and update correctly this should be deleted they have not verified this and have since updated my report which lowered my credit score tremendously on XXXX/XXXX/XXXX I demand they remove this from my report immediately or update the accurate information information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Mandarich Law Group, LLP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the company XX/XX/23 and they informed me they served papers to my house XX/XX/23 and now things were going to court. I have never been served and the physical description they gave was NOT me. They said female with brown hair, XXXX and XXXX lbs but I am heavier than that at XXXX lb. I also have a doorbell camera and can prove they did not serve me papers that day or any other day. I had no idea they filed anything with the court or tried to serve me papers.

Company response to consumer: Closed with explanation