BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my lender requested mortgage retention assistance and was redline denied stated my investor had no assistance for my type of loan which discriminated me and I contacted my I vestor after looking on the mortgage Electronic Registration Recording and was told they were not my investor and if they were would helped me. 

I am being scammed out of my property I have owned since 2007 because I have mi insurance which the investor will be paid in full for my loan if they foreclose. 

I asked my Servicer the number to my investor and could not give me the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Sequium Asset Solutions, LLC
State: TX
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my 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 2020-12-09
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: Account information incorrect

Complaint:
The collections company is duplicated on my equifax. 
Called the collections company and said its not them that duplicated. I filed a complaint with equifax but have heard no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated in XXXX. 
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. 
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. 
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. 
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. 
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. 
In XX/XX/XXXX, I received a vague and misleading response from Fedloan  servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. 
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. 
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. 
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX  XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. 
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX  XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. 
I am waiting to hear a response from my attorney general or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, Equifax sent me an email stating that they needed me to furtherprove that I was a part of their data breach. They told me that in order for me to be approved for the data breach, I needed to provide all of my email addresses as well as all of the names I've used. 
I am a victim of identity theft as a result of this data breach, and I qualified for the data breach settlement on THEIR website. 
I spent months researching and gathering all the proofthat I should not have to do, but this data broker company is putting me and others through unnecessary work, expense, and stress. 
I already mailed Equifax over ten pounds of paperwork in a 4-inch Binder with tons of proof the first time around, and now this company is interrogating and putting me through the mill. I've heard that this is happening to a large number of people who have filed for their settlement money. 
Equifax appears to be hoping that people will not do all of the work a second time. Furthermore, they are only giving people a month to comply before rejecting their claims, which is deceptive and abusive to people who have already been victimized and compromised by Equifax. 
Plus, Equifax isover the 15 and 30 days that I was supposed to hear back on this claim, all I heard was " give me more proof or all that work you did was for nothing. '' An affidavit of truth is provided below. 
I had to write and have it notarized, as well as upload everything I'm sending to you to Equifax ; they did the same thing to my son, so it was double the headache, hassle, and worry. These companies used AI to generate a generic response to both of us, with the only difference being our names and Case Numbers. 
This is completely unacceptable and unnecessary behavior on their part. This is done on purpose in order to keep all of the money and not disburse the settlement. 
My Affidavit is in the attachments and i will upload everything I had to mail to the request return receipt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX formally known as XXXX, managed by XXXX XXXX sent XXXX to collections knowing that I didnt owe that & didnt give me explanations on why that was the amount. I left only owing XXXX. I broke my lease because my flooding was a consistent issue in my apartment & management did nothing about the problem, they decided to do renovations while I was living in the apartment, they expected me to pay full rent while everything was going on. I practicality lived with the construction workers. {$1700.00} was owed and my security deposit with was {$1500.00} was supposed to cover the majority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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: Account information incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # 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 2023-11-22
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:
Please take a look at the attached letters and ID docs for verification that it is I 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 2022-11-03
Company: EQUIFAX, INC.
State: FL
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 they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CT
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:
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 non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2023-08-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It XXXX Concern, I am writing to address the ongoing issue concerning the collection account associated with Comenity Capital Bank, account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, XXXX XXXX XXXX has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. XXXX XXXX XXXX has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, XXXX XXXX XXXX demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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 reporting misleading information. There is no filing this complaint for falsely 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 non-monetary relief
Consumer complaint received 2023-08-04
Company: DailyPay, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have tried to reach out to daily pay about my reported earning that isn't reported right from them. My job told me tgat my reports were on point for instant. I make XXXX $ a day. They said my reported earning from my job was only XXXX $ and it had happened multiple times. There stealing my money. And some of the days I dont even get my report at all. Daily pay consist of money advance. And my whole check goes to them. And they are getting different report so therefore my check are so short I've called over a week now and they say the supervisor gon na get back with me and never do. Or they try amd email u and say the same thing thehbtold me over the phone. I cant ever get thur with them. How unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2018-10-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I tried to apply online for an American Express XXXX Business Card and received some sort of warning that I was not eligible for the bonus or welcome offer. This was on or near XX/XX/2018. 

I then called American Express and spoke to a customer service representative. She also received the same " pop up '', but she called the " back end ''. After speaking with them, she said I was in fact eligible. I then questioned her MULTIPLE TIMES to make sure I was eligible for the offer. She said yes -- and it was added to my account manually. This phone call was recorded and the CSR 's statements should be evident.

I have now met all the requirements and I am being denied the  bonus. I specifically asked multiple times before my credit was pulled and I am still being denied. This is by online chat on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2023 I contacted Experian multiple times along with speaking with fraud dept. manager XXXX 2023 requesting deletion of the unauthorized hard inquiries dated XX/XX/2023 & XX/XX/2023 I checked my consumer report and noticed multiple hard inquiries from companies that I did not give permission & /or I did not apply with.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: ID
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: Problem with personal statement of dispute

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 explanation