BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: Experian Information Solutions Inc.
State: MA
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:
I had moved in XX/XX/XXXX and called Experian to change my address on my credit report to the new address. Not only did they fail to do so the first time after they said it was done. I called again explaining it was not changed and the same thing happened again. I called a third time and let them know this is my third time calling, I was told it was correctly done this time and I did see an update online but when I checked my credit report I was not able to check it. 

I was waiting for my address to updated so I can apply for credit for a {$2000.00} pre approval credit card and was denied and was told that it was due to no address being reported on my credit report. I also was trying to obtain business funding and couldn't 've done so until it was put back on my credit report. 

This has been since maybe XXXX or XX/XX/XXXX and have spent months calling them complaining about this, I was finally told that the representative deleted my correct address from ( 1 ) of the two locations where my address is supposed to be placed. The one they deleted, is the one that allows myself and lenders to check my credit report. 

They kept telling me that I would have to mail proof of identity using license and proof of address, I did so multiple times and kept getting responses saying that they dont believe the dispute was coming from me. I was also told to file the documents online which hasnt worked for months and they were made aware as well. This was all ridiculous since Id have to waste time and money on something that was an employees mistake. They gave me NO resolutions on the phone to fix their mistake even after speaking to a manager. This has caused me a huge inconvenience and wouldve been HORRIBLE had i been trying to get a mortgage. 

I havent been able to check my report or apply for anything for over 4 months. Im attaching proof of letters i sent them showing proof of delivery and signature as well as their repsonse saying they dont believe its me. I need them to place my address on my credit report. 

XXXX XXXX XXXX, XXXX, MA, XXXX D.O.B. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Genesis FS Card Services, Inc.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: ID
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 2020-09-14
Company: Navient Solutions, LLC.
State: CA
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:
In XX/XX/2020 I updated my preferences online for my two ( 2 ) consolidated loans with Navient. I indicated that I wanted any overpayment to go towards the balance on the loan with the lowest current balance. I made an auto-payment ( pushed from my bank account, was not made over the phone or auto-debit ) on XX/XX/2020, I looked online on XX/XX/XXXX to ensure payment was properly applied, it was not. Instead Navient pro-rated the payment across the 2 loans. I called to inquire, the rep said that I had a consolidated loan, even though I have 2 separate consolidated loans ( 2 separate current balances show with 2 seprate loan numbers ). She was able to go ahead and re-apply the overpayment to the correct loan. I inquired as to how to avoid that happening in the future, she indicated that I need to inform the rep when I call on the phone ( even though I informed her I did not make a payment via phone ). I asked what the point of having a " preference/payment direction '' of " overpayment toward lowest balance, '' she again repeated that I had a consolidated loan. At that point I realized she was going to argue in a circle. I ask to make a complaint and for the complaint department, she indicated there was no phone number and I would have to email as there was no complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: ALLIANT CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Experian Information Solutions Inc.
State: MO
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:
This is horrendous, just notified by experian they are still working on the issue on this complaint only problem is that it's the same thing, EXPERIAN FIXES NOTHING 90 % OF ALL MY COMPLAINTS HAVE NOT BEEN ADDRESSED

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 2021-11-29
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Experian Information Solutions Inc.
State: MO
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:
With in minutes of each other experian again says is working on the same issue on 2 complaints well like all the other complaints they have done Nothing but give stupid explanations that makeno sence

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 2022-06-18
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX NY, XXXX Conserve XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

On behalf of my company, I am writing this letter because we are distressed that you have included the information below in XXXX XXXX XXXX credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information listed below needs to be re-investigated. 


Alleged Debt : {$3300.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 

Alleged Debt : {$2200.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 


I on behalf of XXXX XXXX XXXX respectfully request to be provided proof of this alleged debt, specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the item must be deleted from the report as soon as possible. The item that is listed above is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

In addition, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not a duplicate an not filed by a 3rd party. to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, accounts, amounts listed an remove the information imediately. this has hendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.

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 2019-08-05
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to settle my debt with the company and submitted a complaint trhough the CFPB and they will not make payment arragements as they told me in their letter of response sent to me and copied to the CFPB. Now they wont stop calling at home and at my mobile.

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 2024-01-04
Company: Experian Information Solutions Inc.
State: MI
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 just got my credit report on XX/XX/2024 and noticed some accounts on my credit report are incomplete and inaccurate which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this particular point I honestly believe that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They MUST be legally blind because everything is inconsistent.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against the XXXX XXXX XXXX regarding an alleged child support debt that has been erroneously reported to my consumer report. Despite my efforts to seek validation and documentation of this alleged debt, the XXXX XXXX XXXX has failed to provide any evidence or respond to my inquiries. As a result, I am suffering significant harm to my finances and credit profile. In XXXX of XXXX,, I submitted an affidavit of truth to the Child Support Division, as well as letters to TransUnion and XXXX in XXXX of XXXX, requesting validation of the alleged child support debt. In my affidavit to the XXXX XXXX division, I emphatically stated that I have never been legally ordered to pay child support and that there is no record of me appearing before a judge, or received a judgement order, court order for such an obligation. Additionally, I have never consented to, agreed to, or accepted any responsibility for child support payments. I have requested a judgement order, court order or any documentation that validates this alleged debt, but have been met with silence from the XXXX XXXX XXXXI also requested that the child support division explain how they obtained my name and address and social security number to report information to my consumer report as well as to cease reporting. The lack of response and the continuous reporting of this unverified debt have caused substantial damage to my finances and credit profile, hindering my ability to access credit and financial opportunities. It is also listed in my consumer report that a balance of XXXX is owed, but it also shows that payments have been made of {$200.00} a month consistently since XXXX. Well over XXXX but the balance still remains at XXXX. Everything is inaccurate and they continue to report inaccuracies to my consumer 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: LA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed this complaint with the longest response yet that is completel nonsense and explained nothing

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 2023-05-06
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company agreed to update account as paid in full with credit reporting agencies. I made payment In 2021 and the company has still not updated credit reporting agencies. I've disputed this with credit reporting agencies and the company has refused to make any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX statement had a balance of {$260.00} reflecting a {$45.00} made on XX/XX/XXXX. The minimum payment for the month according to the Comenity statement, due on the XXXX XXXX XXXX, was {$37.00}. I noticed a promotional balance for a previous purchase 's promo rate expired on the XXXX XXXX XXXX for {$110.00}. I sent $ 120 days afterward that didn't post until the XXXX XXXX  XXXX. I realized that was much later than I intended so on the XXXX XXXX XXXX I called Comenity to see what the status of the account was. I was told that only {$5.00} of my {$120.00}, my second payment in under thirty days, was applied to the plan with the outstanding {$100.00} that expired the month of XXXX and that the entire rest of it would be applied to a plan that expires in XXXX. When I asked about how this breakdown was justified when I enough to cover the minimum payment, the expired plan and then some and everybody Inspoke with just kept repeating how they work on " billing cycle dates ''. But when I asked for a breadown of how my payment would be applied I was told that information couldn't be seen by a customer service MANAGER until the XXXX XXXX  XXXX. My payment due date for XXXX is the XXXX. How is it they can immediately apply my payments in a way that maximizes what Comenity can collect in fees and interests but can't tell me how that was applied until after the due date? I feel my intelligence is insulted and my payments were maliciously applied when I've sent them on time to minimize my debt. This is an unconscionable, deceptive, unethical, and willfully punitive application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$62000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/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 2020-01-25
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking at my credit report and noticed they were some things that was not correct. I sent two letters to Experian on XX/XX/2023 and XX/XX/XXXX XXXX Mail here is my tacking numbers XXXX. ) XXXX XXXX. ) XXXX But it has been more than 35 days since the credit bureaus haven't responded. That's a violation of 15USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and accept as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer smile at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is incorrect and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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