BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
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: Information is missing that should be on the report

Complaint:
After deciding to upgrade my current phone, i applied and was approved for merchant credit in the form of an installment loan. This loan for for an XXXX  XXXX XXXX, through a well known online outlet company in the cellular industry called XXXX XXXX XXXX XXXX XXXX. However, this company has failed to report my account to the credit reporting agencies, now in month three, nothing has shown up, so my payment history is not being included on my credit report. I went through the proper channels to investigate why my payments haven't posted. I was then informed that my account have been submitted for reporting back in XX/XX/2018 but the credit bureau, namely Experian, has failed to investigate and update my account to my profile, which after research, and consulting with a family friend whose an established attorney informed me that this was a direct violation of Fair Credit Reporting Act. This account required a down-payment of {$180.00} after a credit check, a soft check as stated by the representative. And the remaining balance was to be paid over 24 months in the amount of {$29.00} after the initial payment of {$30.00}, the vendor states that they do report to all 3 major credit reporting agencies which typically shows up in 30-45 days. 
Below is Information provided to me from the creditor, my account # is XXXX, balance of device when the loan was opened was {$710.00}, current balance is now {$210.00}, after several on time payments ( 5 in total ) and trading in my old device Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Contact Number and Fax : 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 2023-08-23
Company: SYNCHRONY FINANCIAL
State: IN
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:
I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!

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 2020-04-14
Company: Self Lender Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized credit inquires

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )

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 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian on or around XXXX XX/XX/XXXX for a XXXX XXXX account/tradeline. Experian acknowledges processing the dispute and claims itts " investigation '' was completed on or around XXXX XX/XX/XXXX. The results of the dispute say " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' and shows Experian conducted an automatic update of information from XXXX XXXX. This is NOT a substitute for an investigation. From p. XXXX of the attached docuentation XXXX XXXX states as follows for the account number ( s ) : " When a loan charges off, the account number is changed as the information is moved to a different system of record. The updated loan account will show on your credit profile ending in XXXX. '' Now, my dispute with experian was regarding an account that was wrongfully charged-off by XXXX EFS due to their misapplication of my student loan payments and a mishandling of an approved forbearance and subsequent deferment that enabled XXXX XXXX accounting and billing systems to continue to mark payments as late during periods were made and/or forbearances and deferments were in effect. It is during such times that XXXX XXXX ceased generating billing statements. All I am trying to do is have the the CO status and late payment history, and derogatory narratives removed because the informattion is false and/or misleading under 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). As such, to ensure maximum accuracy under the FCRA, it is incumbent upon Experian to change the affected periods to Not reported/NR, and to remove any and all derogatory payment and account status narratives.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as XXXX and TransUnion are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.

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 2019-01-30
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
The actions that were taken was notifying Experian and XXXX with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX XXXX and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote Experian and XXXX numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from Experian and XXXX. Second step, I have reached out to XXXX XXXX ( CEO ) of XXXX and the Ceo of Experian concerning my issues with each company and their process of handling my situation. I reached out to Experian and XXXX again and the same thing, it's been verified. Experian and XXXX informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of Experian and XXXX. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet was stolen and cause all these issues in my life and Experian and XXXX has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from Experian and XXXX, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( Experian and XXXX ). I hope you can help 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 2023-08-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
A few months ago, I was approved for a trial payment plan. I had previously submitted a partial payment to Wells Fargo Home Mortgage ( WFHM ). When making my first trial payment, I made the wrong assumption that the partial payment could be included as part of the first payment. Due to that error on my part, I was removed from the trial plan and review for assistance. I had to start the process over to be reviewed for assistance again. My request was denied and I was only approved for a short sale. Per the letter that I received, I was ineligible for a Repayment Plan. I agreed with that decision. Additionally, I was ineligible for a VA Affordable Modification or a VA Loan Modification due to having reached the allowable number of modifications per VA guidelines. As a result, I contacted the VA. Via email, I received guidance that the VA would waive that rule if WFHM requested a waiver. I sent that email along with an appeal request form to WFHM. Today, I received two letters from WFHM. The first one stated that they were reviewing their decision in response to my appeal. The second letter, dated a day later, stated that they had determined that I still do not meet the requirements for payment assistance. The letter further states " We will continue to work with you to help you avoid a foreclosure sale. '' I was deemed ineligible due to a VA guideline. The VA agreed to waive it, but WFHM denied my appeal, which is the opposite of helping 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 
XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-03-08
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been using XXXX XXXX XXXX XXXXXXXX XXXX for my renting room in XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The company has sent all the statements through paper and email notification. I moved to XXXX  in early XX/XX/XXXX, and I have transferred the entire utility account to another tenant on XX/XX/XXXX, the account has been closed at same time. I also contacted XXXXXXXX XXXX  XXXX customer service multiple times on XX/XX/XXXX, and all the reps said I have no outstanding balance, and non of them asked me to update my new billing address even I mentioned for moving out. Since I always used online service for make payment and check billing statements, I went back to XXXX without any concerns on my closed utility account. 
Until yesterday night, I've received a credit alert from XXXX XXXX bank, indicated there's a XXXX points decreased from XXXX, and I saw XXXX XXXX XXXX and collection company 's name on my XXXX credit report. I spent couple of hours to contact XXXXXXXX XXXX XXXX and collection company about that last statement which is only {$100.00} dollars. I was so frustrated and helpless after I saw XXXX points dropped on my credit report, and XXXX XXXX XXXX refused to admit this is an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both XXXX and Bank of America and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX  XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at XXXX or Bank of America in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.

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 2019-01-31
Company: Mercedes Benz Financial Services
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:
Hello, On my auto loan with Mercedes-Benz Financial Services, there is an incorrect mark on my credit report that shows I was 30 days late on a payment. This is not true. I had spoken with an MBFS associate on the phone to set my account to back to auto pay, since I had disabled it. This associate said they would do so for me. A month later, when I noticed their mistake that it had not been done, I promptly made payment - as my record clearly shows ( I have 5.5 years and 3 different accounts with them with perfect records ). I called back in a 2nd attempt to remedy the problem and get my auto pay set up, and ONLY THEN was when a different associate told me that the auto pay needed to be completed on a written form. My record with MBFS is outstanding and I hope you can help me resolve this simple misunderstanding. I was taking means necessary to rectify the situation as it was happening, but was misguided by the first employee I had spoken to. I have tried to dispute this with the company, as well as dispute it through XXXX  but have this issue has not yet been resolved. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Bursey & Associates ( or a law office affiliated with the ) called me at my employer and stated that they tried to reach me " 15, 16, 17 times '' in person at the address of XXXX XXXX XXXX XXXX, XXXX AZ, XXXX ( the residence of my parents ) to serve me a lawsuit over a credit card debt of {$600.00}, saying that only once " an old woman peeped through the door and said she didn't know where I was. '' This is inaccurate, since my mother and father said no one ever attempted to reach out to me at their residence at any time. I told them that I would meet them at XXXX that day, to which they replied that " well we tried meeting you at XXXX XXXX, XXXX XXXX, XXXX XXXX ... '', to which I responded that I would absolutely meet them the next day at XXXX. However, no one showed up to my parents residence, but XXXX days later, someone STILL showed up my work and served me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NC
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation