BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.

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 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/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 explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/23, I filed complaint XXXX that Experian had falsely told XXXX XXXX that I have " too few accounts currently paid as agreed. '' I have no accounts unpaid as agreed, as even Experian 's records showed. 

On XX/XX/23, I received an email from you that Experian told you it was working on the issue. 

Also on XX/XX/23, I received an email from Experian that told me my dispute results are ready. When I went to the link I received a notice ( both attached ) that " Your dispute results are currently available online ''. When that notice remained after two days I called Experian at the ( XXXX  ) number given and, after 10 minutes of voicemail diversions, I finally spoke to XXXX who told me that no results would be given on line and they Experian isn't doing anything to correct their records or let the creditor know they were incorrect. 

Attachments in one pdf : ( 1 ) Experian 's email saying that the results are ready ; ( 2 ) Screenshot saying results are not available ; ( 3 ) original XXXX notification that they'd been told by Experian that I have accounts unpaid as agreed.

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 2023-05-25
Company: Upstart Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After I paid off the loan, I noticed they had not reported it to the 3 credit reporting agencies within 45 days ( supposed to report every 30 days ) That has since been reported to 2 of 3 agencies and I am working with the 3rd.

However, my main complaint is that when I emailed them to inquire about reporting status mentioned above, one of their employees was searching my home address and personal information. I know this because somehow they emailed me back a link to the XXXX search they performed, which included a XXXX XXXX search of my address. When I asked for an explanation for this, I was told 3 different times the issue had been " elevated to the appropriate department ''. I never received a response. I found this scary and extremely unprofessional to say the least. In fact, I feel I have grounds to seek compensation.. They never even apologized or gave any explanation whatsoever.. To be fair I never had issues with them during the course of the loan, it all occurred after I paid it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CB/VICSCRT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CB/VICSCRT with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to Transunion Credit Reporting.

I disputed with Transunion, asking for the same documents and they replied it's my debt and no documents.

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 2022-12-19
Company: EQUIFAX, INC.
State: MS
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:
My my credit card XXXX it's not showing up on all XXXX credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both Equifax and XXXX and they keep giving me the runaround XXXX is telling me to contact the Creditor and XXXX is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have XXXX statements to show proof because each statement it gets reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX PLEAE DO NOT ALLOW XXXX XXXX TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


XXXX XXXX issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX  and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with XXXX XXXX  and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

XXXX did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXXXXXX 

This is, and never was my account. I can lose my security clearance and my job due to XXXX XXXX XXXX multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion XXXX XXXX for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, 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 2023-08-05
Company: Nelnet, 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:
Nelnet is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting Nelnet to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone.

I am now opting out of any consent you may think you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX, along with U.S. Bancorp AND Elan Financial Services, cancelled my XXXX Visa Rewards card ( last four digits XXXX XXXX per attached letter dated XXXX XXXX, 2020 ( received XXXX XX/XX/2020 XXXX. Reason given, per attached letter, " Your account was reviewed by a credit scoring system that assigns points based on pattern of usage for your account. We are unable to renew your card because your account did not score sufficient points on the following factor : Your account has been inactive for at least 12 months '' I was at work and got " USPS informed delivery '' email that I had letter from " Cardmember Service ''???, then read letter when I got home that advised that Visa Card was cancelled, with no identification of what financial institution visa, just last 4 digits of some card. In fine print at bottom of letter, it stated Elan Financial Services - still did not know what this meant, except that Elan is a very poorly rated financial company, with a ranking of XXXX out of XXXX, and known for very poor services with many alleged allegations of fraud. Then I learned that the card is my Fidelity Visa card which I have always been proud to own and is tied to and reported on my Fidelity Accounts - This shocked me that Fidelity would let me down after so many years of being a faithful customer. 

- My credit score is XXXX out of XXXX XXXX Score. US Bancorp, Elan and now Fidelity have numerous reports of impacting credit  ratings after canceling credit cards - The Letter makes no mention of the rebate point/dollars ( REWARDS ) that were earned over a decade in having this card - Fidelity heavily promoted this Fidelity Visa Rewards Signature card, which is a main reason why I applied for the card, which I was proud to own, especially with the 2 % cash rebate provision - The Card user agreement I signed made no mention of a minimum yearly usage requirement - if it had, then I would have used it more often. 
- There was no pre-notification letter from Fidelity that I needed to use this card more often, or it would be cancelled. There was no pre-notification whatsoever, except for the attached letter that came " out of the blue ''. Elan Financial Services is such a schlock outfit, they had to put there name in very small type in the footer of the letter. 
XXXXThis is an outrageous fraud on the public where Fidelity , US Bancorp and Elan are purposefully creating fraud by damaging my credit rating FIDELITY , AND THE COMPANY FIDELITY IS  PROPPING UP AND HIDING BEHIND, US Bancorp and Elan Financial Services MUST MAKE FULL DISCLOSURE AND CORRECT THIS DAMAGING PRACTICE OF PURPOSEFULLY DAMAGING THE CREDIT SCORES OF UNSUSPECTING PERSONS THAT HAVE ALWAYS TRUSTED FIDELITY   TO DO THE RIGHT THING.

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 2019-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with Select Port Folio, XXXX XXXX Loss Mitigation today XX/XX/2019 about my mortgage assistance application. I was informed that they have not reviewed the mortgage assistance application or financials because the foreclosure sale date is less than 30 days Foreclosure sale date is XX/XX/2019.it is more than 30 days before the sale date Select Port Folio is not willing to assist me with keeping my home or review my documents. I have not received a denial letter for my recent application but I did resubmit the mortgage assistance request again today with financials. 

I need Help I don't want to lose my home Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts. Please remove them from my credit profile.

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 2020-08-11
Company: EQUIFAX, INC.
State: CA
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:
On several attempts I have notified Equifax in writing and via disputes CA FED Bk CT, XXXX is incomplete and inaccurate, but Eqauifax refuses to follow the law set forth by FTC and FCRA by violating my consumer rights under 15 U.S.C 1681i ( 5 ). I have send proof of documentation from Pacer ( Public Records, XXXX XXXX XXXX Courst, and the source cited by Equifax which is XXXX XXXX XXXX. It is clear that no investigation has been reasonable done if at all because there are several incomplete and inaccurate information being reported on my credit report.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: ID
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 isn't my account. Please remove it.

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 2021-11-06
Company: CORELOGIC 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: Personal information incorrect

Complaint:
I am requesting a full Core Logic report so I can get a full understanding of what is being reported on my credit report Please send to the address below.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
After buying a car for {$1200.00} it was sent to express delivery service. They told me the car was on its way then said I needed to pay a {$1500.00} payment for a smoke test. After exchanged emails and XXXX messages ( both companies ) I made the payment. They said everything was okay and my car was on its way. They then said the process was stopped because of FBI road safety. To continue I needed to make a {$2000.00} payment. Why all of a sudden these fees that werent mentioned in the beginning. For 4-5 days I explained to both companies that I couldnt pay this because of bank issues and wanted a refund. The car company is saying no refund until the car is delivered and there are mechanical issues. The XXXX company is saying after delivery all fees will be refunded. Thats cool, except there will be no delivery because Ive explained to both companies that I can not pay that. Neither of them are listening and keep saying figure it out and pay the delivery agency the {$2000.00}. I have tried to speak to my bank, but theyre saying to speak to the companies because there is nothing they can do. I have asked for addresses and postal codes from both companies and theyre now not answering emails and messages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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 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