BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. COMENITY CAPITAL/ XXXX DATED XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2015 - present I have sent out letters after letters to the company in regards to the following amount XXXX owed. They have no liable proof that the account belongs to me and yet they continue to report false information. I have dispute the account online also with XXXX  and yet nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: V and H Portfolio
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: Old information reappears or never goes away

Complaint:
XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX  account. I have been a resident at this address for XXXX years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in 2022 out of nowhere. Remove this item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. equifax didn't try to contact me to see if this was accurate instead just put it on my credit as dead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
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:
I have this old account still listed on my personal credit file and it has been years, this is past the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
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: Reporting company used your report improperly

Complaint:
I received an email informing me that I had preapproved offers for a personal loan and that I could click on it and it would not effect my credit score! So I went through the process. Got my results. Didnt like any of them. And closed out my browser. Immediately following that, I got an email from XXXX stating I was denied, this after saying that my scores wouldnt be effected, and that It was a result of my TransUnion report. In the body of the email from XXXX, it states XXXX XXXX. Not once was that in the list of offers. I did not apply for any loan and was tricked with this email from XXXX XXXX and the email completely lied when it said my credit would not be effected to take a look at the offers. See attached emails.

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 2020-04-03
Company: Experian Information Solutions Inc.
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:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.

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 2020-04-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've tried calling AES multiple times and messaging via their website and XXXX in the last 7 days. No direct reply. They are sending out stock answers to people saying that they are a commercial lender that does not have to comply with the CARES Act. They are refusing to stop interest and will only offer 90 days forebearance. They consolidated my federal student loans, I had no choice In the matter. They are skirting law yet brag about being an officially designated FEELP servicer right on their website. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We opened a new checking and savings account online at Citizen 's Bank on XX/XX/2023. To fund the account, an ACH transfer of {$2400.00} from XXXX XXXX  XXXX was entered with allocations of {$2200.00} to Citizen 's Checking and {$260.00} to Citizen 's Savings. The {$260.00} transfer is still not completed as of XX/XX/2023. Attempting to resolve the issue with Citizen 's Bank, they disclosed that they had an issue affecting new online enrollment accounts, resulting in our new savings account being " frozen '' immediately after opening with no official reason. The fund transfer was rejected, and Citizen 's Bank is unable to locate our money or assist in any helpful way. Citizen 's claims they returned the funds to XXXX XXXX XXXXXXXX on XX/XX/2023 and provided us a tracking number, but XXXX XXXX XXXX claims they do not have the funds and can not help us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: NY
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:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER

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 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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:
Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was fraud activity occurring on my Chase account, where two unauthorized withdrawal transactions occurred on XX/XX/XXXX for {$300.00} and one on XX/XX/XXXX for {$4500.00}. Both transactions occurred at the Branch in person. I was not aware of this until XX/XX/XXXX of the activity and promptly reported it to the branch, where they cancelled and reissued me a new account. During this time I also discovered that they ( frauders ) changed my address to a new address ( not my own ). They made me aware of this and I corrected all the information. They explained to me that a check will be mailed to my address and that it may take a few weeks. I received a letter from Chase on XX/XX/XXXX explaining the situation and that I would be receiving a check for the {$4800.00}. Weeks went by and I never received a check or information regarding this check. On XX/XX/XXXX I arrived at Chase to inquire about the check. Chase informed me that the check was mailed and cashed in at XXXX  XXXX XXXX, I have never received the check and they made me aware that it was sent to my old address from 10 years prior. The check was also signed by my late husband, who passed away in XXXX. I once again reported fraud and submitted paperwork on XX/XX/XXXX. I have called numerous times in regards to updates and information but have received no updates on the status of my claim. They have continuously said they have a process of 60-90 days but have given us conflicting dates of when paperwork was received. The initial call was done in XXXX and we were told to call back in XXXX, we called in XXXX and they informed us they had no information or updates and that they actually received paperwork in XXXX. They have continuously given us different information each time we call and they have no new information to give.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
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:
Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to XXXX5 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2020-02-18
Company: EQUIFAX, INC.
State: VA
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:
The credit bureaus, who profit from people having bad credit, is manipulating report information to keep certain people scores low. I pay my bills, all of, pretty much on time. When I miss XXXX payment for 1 month, which does not happen often, my score drop pretty much up XXXX points. I have been XXXX with the same credit scores forever XXXX to XXXX. Sometimes it drops to XXXX. Really. I pay my Bill 's, I make XXXX a year. This practice mainly affects minorities. Also why is Equifax still allow to provide credit scores. This is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..

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 2023-04-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXXe Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
One of my creditors, XXXX XXXX & XXXX Account XXXX, continues to report me to Experian as " delinquent '' after I settled this account at least a year ago. In fact, it says on my report that this account was settled ( Paid in settlement. {$500.00} written off ). And yet the company is still reporting to Experian each month that I am delinquent, when I already settled this account. I have disputed this account twice with Experian, and Experian has refused to remove the derogatory remarks that continue to be added to my report each month, even though this account was settled at least a year ago.

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 2020-02-18
Company: Experian Information Solutions Inc.
State: WA
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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and XXXX, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2023, I paid {$500.00} for a Home Appraisal through Rocket Mortgage. The appraisal report had a lot of errors such as actual square feet. The appraiser only took pictures of the home. He identified the dining room in the pictures submitted as a bedroom. The Sketch Addendum doesn't show the dining room or the extra bedroom. Picture of out building wasn't included in the report. I believed my house was low balled in value. I have found about 55 - 179 comparable sales of higher valuation. I brought this to Rocket Mortgage attention. On XXXX XXXX, I spoke with XXXX XXXX XXXX appeal representative ) for about 45 minutes. I was told that it was my responsibility to find comparable properties. That afternoon, I submitted 6 properties. On XX/XX/XXXX, I was told I could only submit 3 properties. I submitted 3 properties on XX/XX/XXXX. On XX/XX/XXXX, appeal was denied because the properties that I submitted were not located in the same County as my house. All of the comparable sales were in the same county. On XX/XX/XXXX, I submitted 3 properties that I thought were in the same county. The reply email was " appeal can only be submitted once ''. All email correspondence was with XXXX XXXX. She did not tell me the parameters to submit properties such as how many, they had to be in the same county and that the appeal process is a one time review. The second appeal report was on XX/XX/2023. The Comparable sale for # 2 and # 3 were changed. The value of my house did not.

Company response to consumer: Closed with explanation