BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
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  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to Experian but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.

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 2023-07-07
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter saying that I owed for a AC unit, after I moved out of the home. They are attempting to charge me for the AC unit, I moved out of the home with everything still in the same place all appliances which I provided my own refrigerator whereas the stove was the only appliance provided by signal properties Sometime in between me moving and them coming to lock up the vacant home an Air Condition unit was stolen. I Obtained a copy of my credit report and noticed a collection from Rent to debt automated in the amount of XXXX. I Contacted them and the explanation I was given was because the home was left unoccupied and that it was my fault that the AC was stolen.. Ive tried disputing the inaccurate information only for it to claimed as verified. This inaccurate information is harming my credit score and hindering me from obtaining housing. To a creditor the {$1400.00} looks like unpaid rent which in fact it is a attempt to collect on a AC unit,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-07
Company: M&T BANK CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email about a job I applied for at XXXX XXXX. The perpetrator pretended to be a part of XXXX XXXX XXXX and initiated a hiring process with me. They informed me that I need to download the wire application for communication. They sent me a check for XXXX for office supplies and equipment ( computer, printer, scanners ). They informed me that I was to then send the money to vendors for equipment through XXXX XXXX Venmo. The money " appeared '' in my account, so I thought it was a legitimate transaction. I sent XXXX before I called the bank. XXXX XXXX XXXX  then informed me they were actually holding the check and it was not available for use. The perpetrator must have known that the money will appear to be in the bank and when to ask for the money. Thinking I had " gotten the dream job '' I was too blind to actually realize what was going on until it was too late. 
Money was sent on Venmo to the user XXXX XXXXXXXX XXXX XXXX I called the bank to freeze my accounts and issue new cards. The bank failed to issue new cards immediately. I also filed claims on my behalf. I don't know who this person was, but they are posing as a legitimate company and scamming people with promises of job offers. I never received any equipment, goods, or services which is what I thought I was being paid for. Venmo has told me that I received no protection under these circumstances and there is nothing they can do because they provided the service they are employed to do. I tried to inform Venmo that I do not authorize any transactions, but they performed those transactions regardless. They are protecting the thief under a privacy protection plan. 

Additionally, I had an expired card on file when I attempted to send money. The transaction didn't go through because the card was no longer in service. The money was sent on a second attempt from a separate card. Now Venmo is attempting to charge me {$2000.00}. Meanwhile, I haven't authorized either of these transactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: I.C. System, 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:
I initially contacted XXXX on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by I C Systems. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how XXXX conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from I C Systems as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.

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 2019-10-23
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in bankrupty. The vehicle I financed was turned back into the loan company. The loan company continues to call me 16 to 20 times per day. When I start they hang up. They have called family and friends to harass them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a XXXX branded credit card with Comenity ( Bread XXXX ). For almost XXXX weeks now, you can not login and can not call them to make payments. Sometimes their easy pay system works to pay bills, which I think I did successfully. 

My issue now is that I can't call to cancel the card. They hang up the phones instantly. Their XXXX support says to call but it does not work. Many can not use their cards or even report a stolen card or fraud. 

This company has been extremely negligent and poses a huge security concern to many Americans. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SANTANDER HOLDINGS USA, INC.
State: PA
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:
Santander Bank is reporting incorrect balance on my credit report I have disputes with all three credit bureau as well as the bank and they do not want to update the balance they are not updating. They are reporting incorrect balance

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 2023-07-07
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I XXXX XXXX begin to have a wage withdrawal from my check from Discover Bank referring to an old account ; XXXX. 
This account was opened in XXXX and closed XX/XX/XXXX. Again Opened in XXXX and Closed again in XX/XX/XXXX. 

After several years of constantly communicating with the company that when it was re-opened It wasn't done by me, but a family member ( XXXX Brother ). As well my family member was using another family member 's information to pay the bill for it which cause all the retuned payments. 

Coming towards the year XXXX, I reached out to a representative of the company because I had a missed call after 7 years about clearing it from my credit and was trying to explain to the representative that it wasn't me, and he said " We can actually reactive this even though its been 7 years and start this over. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has been contacted numerous times about fraudulent inquiries and the unverifiable information. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent and unverifiable and have asked to be removed per FCRA guidelines under fraudulent.

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 2017-03-30
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is from XXXX originally. The amount in XXXX of 2010 was less than {$150.00}. 
It is now 7 years old, EOS XXXX has illegally changed the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Nelnet, Inc.
State: MI
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:
On XX/XX/2022 I recevied an email that my student loan was forgiven. ( See letter enclosed ) On XXXX DEPT OF ED/NELNET Reported on my XXXX consumer profile that this loan is open with a balance. 

I did not agree to this nor sign any documents that any prior closed student loan could be transferred and reopened. 

15 USC 1681B ( 2 ) for misuse of my report and decreasing my score. This company has violated my consumer rights. This account needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the Covid forbearance in spring XXXX XXXX. They gave it no problem but when it ran out 18 months later they refused to let me modify the loan as one of their options said I could. They claimed that option was only available for my primary residence. This used to be my primary residence but has since become a property I rent out. I was severely impacted by Covid 19 but because my tenants were not they said it doesnt qualify for anything and I had to repay the entire balance of missed payments or they will foreclose. I had to borrow money from family to bring it current. Wells Fargo made up rules as they went and despite me asking numerous times they could not provide me any paperwork stating the terms they said prevented me from being eligible for the loan modification. I even opened a complaint with HUD and no help and complained to the XXXX with no help.

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 2023-06-27
Company: EQUIFAX, INC.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief