BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a dispute regarding a late 30 day payment on my credit report. The company responded saying they were unaware my phone number changed, however my personal phone number did not change. I have had the same phone number for 20 years. They failed to log the correct primary number to contact me. In addition, they failed to attempt to contact the co-owner 's primary contact number so neither one of us were properly notified. I am exceptionally disappointed in this company because they fail to look at my payment history and acknowledge consistent payments for 3 years, which should clearly signal to them that something went wrong for the one payment. If this is not rectified satisfactorily, I will file a lawsuit as the next step. Because of this 30 day late payment, I got a significant credit hit to my credit report, which has created significant problems. The agent on the phone indicated that XXXX XXXX XXXX has been willing to make changes on other people 's reports, so I feel that this is prejudice against me as a XXXX woman. I would like this issue rectified as soon as possible please. 

Thank you

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 2023-07-11
Company: Experian Information Solutions Inc.
State: MA
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'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 filing this complaint for falsely reporting misleading information.There is no 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX has attempted several times to resolve this matter. It all started with XXXX Loss Mitigation ; attempted several times to obtain a affordable payment, and no luck whatsoever. Now it was transferred to Specialized Loan Service and the same issue keeps occurring with her mortgage. XXXX XXXX has gone thru some financial and medical issues, but now she is full in force to make all payments on time. Currently there is a foreclose in process and she is seeking to avoid this to going any further.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I questioned a delinquent account I saw on my Trans Union credit report. My understanding was that the company XXXX XXXX XXXX was paid off with my Bankruptcy discharge in XXXX. The car was totaled and my car insurance company paid XXXX XXXX XXXX the value of the car. 
When I inquired into the delinquent account the investigation showed that I owed a {$2000.00}. balance with XXXX XXXX XXXX. Although this was a delinquent account from more than 8 years ago, Trans Union reported it as a NEW delinquent account and it dropped my FICO score in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This severe drop occurred in 1 month and I did nothing in that time to drop my score- all bills were paid on time and I had no new delinquent accounts. This XXXX point drop devastated my chances of getting a good rate on a car loan, apartment or anything that I was was building my credit for 8 years. I have been responsible and building my credit since XXXX  and I disputed the delinquent account was 8 years old, but it was newly added to my credit history and should not affect my current score. I asked to speak to someone at Trans Union and tried to dispute it but have been unsuccessful. My car insurance renewal premium increased because of my lower credit score. Because of the current high interest rates, I'm looking for options to reduce a high interest credit card, but my credit score is still a problem. 
I am requesting that the credit reporting companies treat this as a delinquent account from 8 years ago and that I have built my credit since then. I am asking that they look at my credit history since XXXX to increase my credit score to allow me to qualify for the loans at a more fair rate based on my recent credit responsibility.

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 2020-10-01
Company: Nelnet, Inc.
State: OH
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 was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: WI
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-10-01
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am requesting that the collection agency Americollect INC demonstrate that I do indeed owe the debt and that the agency provide detailed information and documents to prove the amount owed. 

Federal law says that a written notice of a debt, must be received by consumers. I have not received any notice or correspondence from this company regarding this debt. On XX/XX/2020 I received a notification from MyFICO that a collection was added to my report. Also after reviewing my credit report I noticed that Americollect INC did a soft pull of my credit in XX/XX/2020. 

I request verification of the amount of debt owed ; the name of the creditor for the debt ; and to have the erroneous charge removed from the my credit report. I am unfamiliar with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SERVICEMAC, LLC
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 status incorrect

Complaint:
Incorrect info from ServiceMac stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at ServiceMac that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with ServiceMac has done no good. Please help us remove the incorrect info that ServiceMac has chosen to ruin our credit for us two senior citizens in XXXX XXXX, Florida.

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 2023-08-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is attempting to collect a debt and is reporting such " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe {$1100.00} for cellular service from starting on or around XXXX. The problem is during this time I was a minor in high school and not of legal age to apply for any credit of my own. Now Convergent Solutions has purchased said debt and are attempting to collect, despite me informing that I was a minor and this debt isn't mine

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 2023-06-28
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a merchant to purchase a merchandize online and pay through XXXX XXXX, however I was not given any product in return, the merchant has also disappeared and hasnt communicated with me. I have filed a fraud report with my bank but they have refused to acknowledge it and refund my money. XXXX XXXX has also refused to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
Company: Bread Financial Holdings, Inc.
State: MA
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 was mailed an advertisement from XXXX bank that was in my name saying : " Activate your new XXXX XXXX XXXX XXXX XXXX credit card and earn {$100.00} cash back when you spend {$2000.00} with your card before XX/XX/2023 '' After receiving this, I activated the XXXX card I received earlier in the mail. I spent the {$2000.00} with this card before XX/XX/2023. 

I called Comenity in XXXX, asking where the {$100.00} cash back was and I was told I needed to wait 90 days but that I already met the promotional terms. 

After waiting 90 days, I called XX/XX/XXXX and talked with XXXX. ( Customer rep # XXXX ) I was told that I met the promotional terms and that I would see the money in a few days. 

After waiting a couple of days, I called XX/XX/XXXX and spoke with Mikala ( Customer XXXX # XXXX ). At this point, I was told that I would not receive the {$100.00} because the advertisement was mailed to me in error. I asked why I was not told this in any of my previous phone calls and XXXX could not explain why. 

The rep then offered that a letter was sent XX/XX/XXXX informing customers that the offer was issued erroneously. I asked why I haven't received it or why the letter was sent out so much later than the original letter and XXXX could not explain why. I asked how they could send such a letter after XX/XX/XXXX ( the spending deadline ) and was not given an explanation. I asked for a copy of the letter and XXXX explained that should could not give me a copy. 

I have met the terms of the promotion ( of this there is no dispute ) The company simply does not want to pay me because they claim the offer that was mailed to me personally in error. I did not receive this letter and even if the claim is true that they did send the letter, the rep said the letter was mailed XX/XX/XXXX, at least XXXX months after the promo was sent out and past the date when the promotion ended! 

I have never made a complaint with the CFPB before and I've never had an incident where a bank refused to comply to its own terms written to me personally. I am simply asking for the {$100.00} promised in the promotion. If I did not receive this promotion, I would never have spent {$2000.00} on this card I have attached the promotion below that was mailed to me personally with my name and address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: MARINER FINANCE, LLC
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 sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX   ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS MARINER FINANCE ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
Need this accounts 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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed a dispute XX/XX/XXXX for a purchase from XXXX XXXX XXXX XXXX for {$1500.00} which is a partial return from a total of $ 2k+. I asked XXXX XXXX XXXX to return the items as some of the items have arrived late. They gladly accepted the return and provided me with a shipping label. Now, they are saying they never got my items but this was after they sent me an email saying Thanks we have received your items and processing return. I then called XXXX XXXX XXXX  and filed a dispute. Charge was taken off my billing statement at that point and on XX/XX/XXXX I received a letter stating the merchant would not give me a refund because it was returned to the wrong address and they never received it. I then called and sent XXXX XXXX XXXX an email the same day with proof that this merchant provided me a return shipping label, a confirmation from XXXX tracking that it was delivered and a letter from XXXX XXXX XXXX stating they received my items. I called Chase back several times after this to check up on it and they kept saying to wait a couple billing cycles. So I did. Then on XX/XX/XXXX. I received another letter from Chase stating they would not give me my refund as it took too long to dispute. I then tried to call Chase back a few times and they kept telling me there is nothing they can do since the dispute is closed. I feel like they did not put in any effort to back me in this case. What else do i need to do to prove they received my items? I have provided them with all the documents they needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MI
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:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX consumer report 's. 

Equifax XXXX XXXX 's, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}

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 2022-10-05
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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