BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/14 I called and spoke to XXXX regarding a letter I received in the mail for an application that needed more information for a Victoria Secret credit line through Comenity Bank. She informed me that my last 4 did not match what she had on file and would not help me any further. I did notify her about the letter and she did not provide a response to why I would have received the letter. She said she needed to speak the person who was on the application form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: ACIMA CREDIT, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an incorrect account on my XXXX credit report from 'ACIMA DIGITAL FKA SIMPLE '. I have contacted Acima and also filed a dispute with XXXX. After communicating with them, and reviewing the general complaints and reviews of this company on XXXX XXXX XXXX, it is clear that they do not intend to help me without a fight. 

I reached out stating there was an incorrect charge on my account. They immediately stated that I had alleged identity fraud- which I clearly had not. I believe they did this so that they could tell me to obtain a police report and avoid the legally required investigation process laid out in FCRA 623 ( 8 ) ( e ) ( 1 ).

Their public communication regarding invalid claims is so consistent and unhelpful, that I have to believe they are not interested in resolving claims. They only seem interested in closing claims, no matter the impact to the consumer. 

Acima appears to have several anti-consumer practices in place, and receives a staggering amount of complaints related to inaccurate credit reporting on the XXXX  website. At a certain point, one has to wonder if a creditor themselves is capable of opening an account under a consumers name. It brings to memory some of the practices from a high profile bank that the CFPB investigated in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2022 I order a refrigerator repair from XXXX and placed the charge on my Discover card. The repair man said once the parts arrived I could call and reset the repair date. As as a result of almost 20 calls to the XXXX XXXX XXXX in the XXXX and endless routing from one person to another I cancelled the repair order and the monthly warranty insurance as well. After 7 months of going back an forward disputing this charge and sending proof of the parts delivery. Discover allowed for XXXX to bill my account for {$180.00} an amount which is not specified on the work order I signed. XXXX did not do the repair. I paid another company {$700.00} to repair the refrigerator. All of the labor cost listed on the receipt pertain to replacing the compressor which XXXX did not do. 

Discover refuses to remove this charge. There is no justification for Discover to allow this company to charge an amount I never agreed to to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The credit bureau has my Social Security number wrong so this company has reported this bill with the credit bureau and I do not oh the bill so I disputed it telling them that it does not belong to me and I can prove it with my Social Security number And i lost the dispute And the bill has been put in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I applied for a checking account online with Wells Fargo and they sent me an email stating that it was approved. Then I made a direct deposit from my employer and the paydate was on XX/XX/2021. Then I received a letter stating that they were closing my account. They stated that it was because of a previous account. However I don't owe them anything as I have been through a Chapter XXXX Bankruptcy. I filed in XX/XX/2021 in XXXX NE case number 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the accounts below on at least 3 occasions via certified mail. On each occasion I asked that the credit reporting agencies show me the methods used to verify the information as accurate. I also have the right to request that they produce the original contract from the original merchant with my wet signature. This is a crutial step in authenticating the debts. By law a collection agency that is authorized to collect on a debt must possess the original contract from the original merchant, with my wet signature in the debt verification process, under the FCRA 609/611 provisions. If said contract can not be produced, I may take legal action against the collection company, which may result in compensation to me, under 15 US code 1681 I. As a credit reporting agency, it is their duty to ensure the credit reporting laws are upheld. Once again, I need Transunion to provide me with the original contract and their methods of verifying the debt as accurate. 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX 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 2023-08-21
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
First, I personally never received a phone call, the call family members and leave messages with them. In turn, my family members have let me know. This has just happened today ( XX/XX/2023 ) and the message is from a XXXX XXXX claiming to be with County PSD Division, and says there are legal documents requiring my signature. She then gives a phone number, XXXX and says to reference case file # XXXX. I proceeded to call the number and a man answers the phone very quickly and you can't understand who the company is that he is working for. I was very nice initially giving him the case number and he then proceeds to tell me that a civil case is being processed on me regarding and outstanding debt. I then questioned him on what the debt was and he proceeds to tell me it's a Discover Credit Card. I told him I've never had a Discover Credit Card as you can pull my credit report and see there has never been one. He then proceeded to threaten me saying a judgment will be put on my report as a public record. I became so angry I hung, but then called back and asked the name of the firm, which he would not tell me and proceeded to hang up on me. I called back 5 more times asking for his company 's information and to let me speak with his supervisor, which he just kept hanging up on me. I was finally able to at least get the name of the firm on the last phone call. The firm 's name is XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Resolve Partners, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I completed an application to rent a residual property. I sent the application without my SSN due to the SSN guidelines. Your SSN is only to be shared with your current employer for SSN benefits administration. Resolve Partners, who is a third party rental application review company, retrieved my SSN some how illegally without my consent and pulled a credit report on me. That credit report was then shared with XXXX XXXX of XXXX. XXXX XXXX of XXXX then reviewed my credit report and denied my application to rent from them. I communicated to Property Management of XXXX that they were in violation of the FCRA act and SSN Act for having my credit report pulled without my consent and illegally obtaining my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX has turned me into derogatory remarks due to the beginning of the loan they could not get their paperwork correct. I am being penalized because they are to cheap to have a computer program to control your autodraft payments. Once they got the issue corrected there was never a late payment. I was told several times since this is their clerical mistake they would not reflect late payments on my credit report. As you can see they lied.. corporations should be held to a high standees not a lie. My next complaints will be with the OCC, FDIC and other organizations I can find till I get this returned. I should not have to fight to get my loan company to accept the payment and set up autodraft. So many companies have it where you can adjust it, set it up and delete autodraft online. Had XXXX had this option this would not have been the issue. This is an intentional situation devised by XXXX TO REDUCE CREDIT SCORE AND MAKE REPORT LOOK UNFAVORABLE. However the new customer was denied this process. It was denied for a specific reason that they achieved.

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 2021-09-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am being reported late in XX/XX/2021. The month has not finished. Also, I am currently in forbearance until XX/XX/2021. It's impossible for me to be late when I do not have a payment due until XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX ________________________________________ XXXX XXXX XXXX XXXX {$1100.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$870.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$630.00} - XXXX ________________________________________ XXXX XXXX XXXX {$150.00}

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 non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my 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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans were transferred to Mohela in XXXX or XX/XX/XXXX. 

I have been pursuing public service loan forgiveness ( PSLF ) since XX/XX/XXXX and all of my interactions with Mohela have been related to my PSLF process. 

In XX/XX/XXXX I submitted my final employment certification form for PSLF, certifying that I had been working in public service for 120 months ( the requirement for PSLF forgiveness ). 

In XX/XX/XXXX, my employment certification form was processed and my Mohela account was updated to reflect 120 months of qualifying PSLF employment/payments. XXXX qualifying months is what is required to have the remainder of your qualifying student loans forgiven. 

I have inquired several times to Mohela ( via email and the online chat function ) over the last several weeks about the status of my account. Typically, once someone reaches XXXX qualifying paymens their information is forwarded to the Department of Education to verify and request forgiveness. However, each time I have inquired I have either received no response ( I emailed the Mohela military address XX/XX/XXXX and still have not received a reply ) or have been told there is no update to provide about my account status, that I just need to wait ( I have received this response several times via Mohela 's chat feature, most recently on XX/XX/XXXX ). To me, this is completely unacceptable. I have reached the requirements for forgiveness, there is no reason that Mohela should not be doing their part to allow me to achieve forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This complaint reference XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX  as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to Present. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This XXXX Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.

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 2021-09-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I financed a car through Chrysler capitol A few years back. Well they got a class action lawsuit against them and lost. They were putting people in high risk high default loans. I got a letter and a check for over XXXX dollars. Well the letter said we get loan forgiveness. They took it off XXXX and XXXX but not XXXX. Please help me get this off my credit report please. I don't want to have to hire a lawyer but i will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. And XXXX XXXX XXXX ( XXXX XXXX ) reporting is extremely inaccurate, and they have corrected nothing I have submitted over the last 6 years alone. And apparently are not running any updates at all for some time. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. 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  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!

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