BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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:
Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - 52 charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

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 2023-06-04
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late For any purpose.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

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 2023-07-23
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-05-05
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states consumer reporting agencies can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat and payment on a credit card account under an open end consumer credit plan as late an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I left on military XXXX, which did not allow me to have my phone or computer while on orders. Nissan Motor Corp. reported missed payments on my credit. I had family try to submit my payments on time. Nissan denied the payment, NOT because of sufficient funds. I just want to show proof that I am in the military. I did try to submit a payment on time, I just these 2 missed payments erased please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance a loan from Annie Mac. For last 3 weeks the loan officer XXXX XXXX is not locking my rate and just delaying it. I have tried connecting multiple times but he is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions 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:
The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of wire fraud. I am a Wells Fargo account holder and XXXX + was stolen and transferred into a XXXX XXXX XXXX Account. The thief used a different phone ( sim ) to get past the authorization so that they could transfer and steal my money. 

Wells Fargo assigned a Case number to me and told me that they would return my money to my accounts after their 10 business days hold. Needless to say, Wells Fargo determined that I would not be able to get my money back because they ( XXXX ) was unable to retrieve the money from the XXXX XXXX Account. Wells Fargo gave me the account number and the name of the business where the funds went but they won't give me the money back. So much for FDIC ( Insurance ).

I have uploaded a letter and additional supporting documents so that it would assist you in any investigation that you might initiate. 


XXXX XXXX XXXX XXXX or 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 monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On XXXX XXXX, XXXX, XXXX alerted big-three consumer credit reporting bureau Experian that identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
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:
LOOKING FOR SOME ASSISTANCE WITH GETTING INFORMATION CORRECTED ON 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 2022-05-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with my mortgage servicing company, LoanCare, for the past 7 weeks to address a few mistakes they've made in processing my loan payments. 

In XXXX, XXXX, and XX/XX/2022, I made 3 on time payments. Each monthly payment included an additional amount of principal paid ( which LoanCare refers to as curtailment ). These payments culminated in an unpaid principal balance of {$350000.00} as of XX/XX/2022. 

According to LoanCare, they incorrectly posted the Principal and Interest payments {$0.00} less than the contractual principal and interest for these 3 payments. So on XX/XX/2022, LoanCare attempted to correct these discrepancies by reversing the 3 payments ( including the curtailment amounts and escrow payments ) and reposting them with the correct amount. Unfortunately, they incorrectly reposted the payments which has resulted in a new {$0.00} discrepancy. After the reversals and repayment transactions were posted the unpaid principal balance grew to {$350000.00} which is {$0.00} more than what the balance was ( {$350000.00} ) on XX/XX/2022. 

There are 2 main issues contributing to the {$0.00} discrepancy. First, LoanCare reapplied the 3 original curtailment payments in one lump sum of {$210.00} on XX/XX/2022 after the 3 repayments were applied. Doing so, LoanCare did not properly reduce the principal balance between each monthly payment which affects the amount of interest and principal deducted. Secondly, LoanCare did not reapply the same principal and interest amounts as the original XXXX and XXXX payments. It is unclear what calculation they used for these transactions and they have not provided any insight into it. 

To properly reapply these payments, LoanCare should have reapplied the payments in the following order using the same number of days between payments to calculate the same interest as the original payment. 

1. XXXX principal and interest 2. XXXX curtailment amount 3. XXXX payment 4. XXXX curtailment amount 5. XXXX payment 6. XXXX curtailment amount Doing so ensures that the unpaid principal balance is reduced as expected before each subsequent payment is applied. 

I have shared this information in several calls with LoanCare, in a written letter, and with the XXXX XXXX XXXX. Since this issue was discovered, I have continued to make my payments on time ; however, each subsequent payment is now affected by this discrepancy. I have not received any indication to date that LoanCare intends to address this fix or that they even understand what they did wrong. It has been a frustrating 7 weeks.

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 2023-05-24
Company: Kriya Capital, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For over one month, repeatedly, and throughout the day, I receive a call from XXXX at Midland Credit, phone number XXXX XXXX and more recently from an unknown number. 
When I accept the calls she explains that I owe a debt and asks me how I am going to take care of it. She does not provided any additional information. This supposed debt collector has never once left a voice message with further details nor have they sent any written information by mail. I called XXXX and they have confirmed that there is no record of this debt collector on my credit report. I once tried reaching Midland by phone and instead of reaching a main line that stated the name of the company, my call was answered by a male voice who stated only my first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Our Chase Bank Card VISA card and another VISA card were stolen from my wife 's purse on XXXX XX/XX/2020. On XXXX XX/XX/2020 we noticed unauthorized charges being made to one of the cards and immediately notified both banks. The other bank had cought the fraud, and denied purchase attempts after the first one. They reversed the unauthorized charge and issued a new card. Chase did issue a new card, but after a review, determined that we " received benefit from this transaction '' on three unauthorized charges made on XX/XX/XXXX for a total amount of {$19000.00}. We did not receive any benefit. We live two hours away from XXXX XXXX, where the unauthorized charges were made. 
We have communicated with Chase agents twice by telephone. Both times, the agent put us on hold to check something out and then we got disconnected. We have emailed twice to XXXX with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2019-06-18
Company: SYNCHRONY FINANCIAL
State: VA
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:
I opened a XXXX XXXX XXXX  credit card through Synchrony bank and the credit card never arrived. I called Synchrony and they said they'll send a new card. Now it looks like Synchrony has opened a second account, without my permission, which has damaged my credit score instead of just issuing the credit card from the first account that they failed to deliver me my credit card.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This issue with with XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report.

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: TX
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  Account XXXXXXXX XXXX  ACCOUNT NUMBER # XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation