BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2022-08-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX with an alleged Balance of {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am sick of unethical incompetent, Transunion I asked the Transunion represent the paperwork that shows a XXXX XXXX utilizing my name within a backwards format If no documentation is presented with XXXX XXXX, utilizing my name within a backwards format. I want this fully removed from my Credit Report that allow people to commit fraud with utilizing my name backwards. 
My XXXX XXXX report shows XXXX, XXXXXXXX XXXX  I want this fully removed only one name should be on my credit report within this format is XXXX XXXX XXXXXXXX nothing in between my name this inaccurate names and backwards name is fraud committed by employees or managers to create false accounts and credit cards stop utilizing my name backwards this is fraud and misleading I want it fully removed I want XXXX XXXX XXXX XXXX on my credit report only to prevent fraud and fraudulent activity on my account I have asked this company to remove this name over 15 months ago

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice 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 explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NC
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2023-11-13
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: Account status incorrect

Complaint:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX is continuing to share my information even after notifying them that I opt out of doing so. XXXX XXXX XXXX and Transunion both share a mutual financial relationship due to Transunion making a profit off of the sell of my nonpublic financial information being supplied to them by XXXX XXXX XXXX. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.

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 2023-06-30
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX XXXX. XXXX Late Date XX/XX/18

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
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: Personal information incorrect

Complaint:
This is my 3rd or 4th complaint. I've submitted a long written statement along with all the required back up documents and STILL Experian can't get it right. Their mismanagement of my information has caused me significant grief and stolen hours of my life and adversely effected my credit score. 

Today ( XX/XX/19 ) in the mail I receive mail that had been forwarded by the old tenant at the house that I used to live ( OLD HOME ADDRESS was XXXX XXXX XXXX ). Even after I just sent all my updated information, they STILL mailed my credit report and an identification number/PIN to my OLD ADDRESS. I don't understand how this can still be happening!!!!!! My credit score has declined since my recent issues with EXPERIAN. Why is no one there accountable????? I can not get a hold of real person, this is insane! Even though I sent them all the corrections addressing all my former addresses, and told them THEY spelled my NAME wrong, they still have not fixed any of it. 

FOR GODS SAKE PLEASE HELP ME, THIS IS RUINING MY CREDIT!!!

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 2023-06-30
Company: MOHELA
State: MA
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:
I have federal student loans that are handled by MOHELA. 

Account XXXX XXXX XXXX and XXXX XXXX ) Misinformation Concerning Loan Consolidation There are two sets of loans some from XXXX and others from XXXX. 
I was told by a XXXX worker that if I consolidated my loans from XXXX with the loans from XXXX I could lose some of the loan payment counts. I was scared of risking my loan count of 120 payments so I did not consolidate by XX/XX/XXXX. 

The XXXX loans were forgiven. If I had consolidated I am learning the XXXX loans would have been forgiven as well. I now have XXXX in loans left to pay starting XXXX of this year. I have written MOHELA about this mistake and have gotten NO response. I am asking that you require MOHELA to a ) all me to consolidate the loans and forgive them or b ) simply forgive them as if I had consolidated them. 


2 ) Student Loan Deferment and Payment on Loans not counted I was working at a public interest service corporation and paying off student loans when I was put into deferment against my will due to going back to school in XXXX. I made payments in XXXX XXXX XXXX XXXX and XXXX of XXXX. I believe I should get credit for those payments. 

I have no idea why I am not getting credit for XX/XX/XXXX. If I was in deferment it was certainly due to hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Continental Finance Company, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, an inquiry was done using my social security number for a XXXX  credit card through either XXXX XXXX or Continental Finance. I didnt not authorize this. I have tried to contact both companies and they tell me to contact each other regarding this matter. The only think XXXX XXXX could tell me, was that the inquiry was for a XXXX credit card. I finally called XXXX, and they told me to contact the companies. I stated that I have already tried and didnt get anywhere. XXXX told me that there was one other option, and that was to submit a complaint through this website. Again, I have tried and tried to contact everyone and all I get is call this company and this company. Can someone please dispute this inquiry. Im trying to rebuild my credit and this is hurting me. I have not authorized anything for any credit card. I dont even know anything about or heard of either one of these companies, XXXX XXXX or Continental Finance.

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 2022-11-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I paid a balance of XXXX account off, balance was {$180.00}. XXXX charged my checking account XXXX different times. I contacted XXXX about the over payments. XXXX refunded me, via check, for the overpayment. 
About 2 months later then sent me a payment demand for XXXX, However I haven't purchased ANYTHING from the store, they alledge that that they have never received any payments from the XXXX/XXXX/2022 billing statement. I disputed this again, They reversed the charges. 
XXXX weeks ago I got ANOTHER billing request, allegedly saying that I owe them XXXX, After contacting them AGAIN, disputing this claim they advised me to get " proof '' of the payments. I went DIRECTLY to XXXX XXXX XXXX had a computer printout of the entire month bank statement and directy faxed such documents to " Synchrony Customer Care '' @ XXXX. I got the confirmation fax of reciept. 
In response XXXX DOUBLED the amount the alleged amount to debt to XXXX XXXX. Absurd. 
Please resolve this so I can move on from this XXXX long dispute. I paid my bill, I don't owe XXXX XXXX red cent.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NM
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:
Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me.

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 2021-02-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind mortgage payments since the outbreak of the pandemic in XX/XX/XXXX. In XX/XX/XXXX, I filled out Borrower assistance form per instructions from XXXX XXXX, account manager from Fay Servicing. XXXX XXXX told me that I was under consideration of deferment of payments and I had nothing to worry about. 

On XX/XX/XXXX Fay Servicing initiated foreclosure lawsuit against me by filing XXXX XXXX. I called XXXX XXXX immediately and he told me that the foreclosure was a mistake and I had nothing to worry about. I was offered deferment and my first payment is due in XX/XX/XXXX. 

I told XXXX XXXX that I will catch up all the late payments by XXXX. Please stop the foreclosure against me as I have been harassed by XXXX of real estate flippers on daily basis. 

During the phone call with XXXX XXXX in early XX/XX/XXXX, I made three monthly payments and more one payment in XX/XX/XXXX. On XX/XX/XXXX I was served with lawsuit before I had the chance to make all the missed payments. 

On XX/XX/XXXX I wired all the missed payments plus {$3800.00} recoverable corporate advance to Fay Servcing to reinstate my account. 

The account was re-instated on XX/XX/XXXX as I was told. 

Since I have been current in XX/XX/XXXX, I have made timely payments in XXXX and XX/XX/XXXX. I will continue to make timely payments in the future. 

Fay Servicing has told me that I am out foreclosure process. However, the legal case is actively against me in the court house and my entire family has been harassed by the real estate flippers. The flippers thought they can buy this property cheap before auction, they visit the property, they send mail and most painfully they call on every single phone number our family has on daily basis. 

We want to be free from this pain and suffering from this unjust foreclosure action against us. I have contacted the Fay Servicing counsel repeatedly begging her to file proper legal paper to get me off the court house foreclosure public information. It has been over two months and no formal dismissal paperwork has been filed. 

I have no additional money to hire an attorney to compel the foreclosure dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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