BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-08-27
Company: Harvard Collections, LLC
State: KS
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:
This company is continuing to add a collection to my credit reports erroneously. I have never had this debt never received a bill. Every 2 years I dispute it from Harvard collection who bought it from XXXX XXXX XXXX XXXX  and they take it off and put it back on. I have not lived in Illinois for 20 years. This debt should have been charged off by now its too old. When I first heard of it was in XXXX and stated it was wrong now Im hearing about it again in XXXX. XXXX XXXX why are you harassing me it should have been charged off a long time ago and definitely not still on my credit report. Stop it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-01-08
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CALLED THE LENDER WAS TRANSFERED AROUND UNTIL I REQUESTED XXXX, DEPARTMENT. I SPOKE TO XXXX ABOUT THE SALE OF THE PROPERTY AND ADVISED THAT THE BORROWERS BROTHER, WHO INHERITED THE HOME HAS FILED A CHAPTER XXXX ON XXXX AND WAS PROTECTED BY THE AUTOMATIC STAY WHEN THE SALE TOOK PLACE AND THAT THE SALE NEEDS TO BE REVERSED LENDER RESPONDED BY SAYING THAT THE ONLY THING THAT HE CAN DO AT THIS POINT, IS REFER ME TO Some WEBSITE ( XXXX ) I TRIED TO EXPLAIN THAT I SHOULD BE PROTECTED BY AUTOMATIC STAY BUT THE REPRESENTATIVE JUST KEPT SAYING THAT HE NEEDED ME TO GO TO THAT WEBSITE AND COULD NOT HELP ME. NOT ONLY DID I SPEAK TO XXXX I SPOKE TO XXXX IN LOSS MITIGATION DEPARTMENT I SPOKE TO XXXX IN THE BANKRUPTCY DEPARTMENT AND KEPT TELLING ME THEY COULD NOT HELP ME, I NEED HELP AND I CAN NOT AFFORD A LAWYER BUT THIS LENDER IS TAKING ADVANTAGE OF THAT AND SOLD MY HOME AND VIOLATED FEDERAL LAW IN DOING SO PLEASE HELP I HAD SPOKE TO THEM PREVIOUS ABOUT A LOAN MODIFICATION AND HAD ALREADY PROVIDED THEM WITH THE DOCUMENTATION THEY REQUESTED I WOULD LIKE TO CONTINUE WITH THAT

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 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
KAY JEWELERS Account Number : XXXX Please remove it from my credit report.

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to a

pply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Genesis FS Card Services, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a milestone MasterCard on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a milestone MasterCard. I then received a email on XX/XX/2022 stating that I was in collections for a Genesis FS cards services. I never took out a milestone MasterCard and I've disputed with the collection agency. This debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
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:
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 2023-09-05
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Multiple attempts via the lenders website contact info have been made to obtain credentials to login. 

Combined time of 3 hours on hold, their callback service has never called back, they make chat unavailable. They do not email me my username or make it possible to login to set up payments. 

I am at a loss as to how to contact this company to make on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
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 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 explanation
Consumer complaint received 2020-01-08
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an " Easy Checking '' account at First Midwest Bank, under a promotion to receive {$250.00} upon the completion of four required activities : ( 1 ) open the account before XX/XX/XXXX, ( 2 ) Make XXXX debit card transactions, ( 3 ) Make deposits totaling {$2500.00} or more, and ( 4 ) enroll in online banking and e-statements. I will attach a screenshot from the promotion website that lists these four required activities. 

I waited the prerequisite length of time after completing all of these, but did not receive the {$250.00} reward. Upon contacting First Midwest Bank, I was given conflicting information as to why I did not receive the bonus. At first, I was told that I did not use my debit card XXXX times, although I did. ( I will attach a copy of my statement that contains the XXXX debit card transactions. ) Then I was told that my balance was {$0.00} on XX/XX/XXXX, which would disqualify me. However, my starting and ending balance on XX/XX/XXXX was {$2500.00}, with no transactions done that day, so it is impossible that my balance was {$0.00}. Finally, I was told that I did not receive the reward because I did not use their mobile banking app. However, this was not prominently advertised as a requirement : I enrolled in online banking and estatements immediately upon opening the account, as was advertised as a requirement. 

I have clearly met the terms of this promotion and request that I receive the {$250.00} reward that was promised.

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 monetary relief
Consumer complaint received 2019-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. 01 XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX. XXXX   XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-24
Company: EQUIFAX, INC.
State: MT
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided.

I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did.

I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling my phone # and I have asked them not to call me anymore. I told them they need to only communicate through mail we me about this so called debt. Below is just a few dates they have called. There are many more that I did not write down. 
XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 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 2021-09-19
Company: Mr. Cooper Group Inc.
State: RI
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:
I had auto payment with my mortgage company Mister Cooper turned on in XXXX to pay off any balance on my account for the property XXXX XXXX XXXX XXXX. The auto payment did not charge the amount that was in my balance and therefore I was charged with making a late payment. When signing up for the autopayment, it says I authorize Mister Cooper to charge the balance on the account to my checking account, so I am not understanding why the software did not charge the whole amount. 

The over 30 days late charge has been marked on my credit report for XX/XX/2021. The auto payment was turned on XX/XX/2021, so that the balance would be paid and there would be no late charges. For some reason, the software only charged 1 month instead of the whole balance, causing the balance to be held over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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:
My privacy rights have been violated by the sharing of my personal 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 explanation
Consumer complaint received 2021-09-19
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i signed a contract with elastic XX/XX/2016 not with ncb management my original account with elastic account number ( XXXX ) consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and thier responsibility must consist of something more than merely parroting information recieved from other sources. the collection account is also reporting open, please remove this account immediately from my credit report. and please provide me a copy reflecting this account removed,,

Company response to consumer: Closed with explanation