BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I created a dispute about the information on my credit report. 
I can not access the results of the report or my existing account, as I have been locked out of my account. 
I have 3 different phone numbers to call : XXXX ; XXXX ; XXXX NONE allow me to speak to a human. 
I need to update both phone and email addresses, I CANT DO ONLINE, IVE BEEN LOCKED OUT OF MY ACCOUNT. 

My only other choice is snail mail. 
This is utterly and completely ridiculous. 
Sincerely, Please, help!

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 2019-05-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My bank was drafted on XX/XX/2019 for XXXX. A copy of the bank stmt showing the withdrawal was sent to Nissan. It has been over 60 days and they still have not posted the payment to the account. A payment shows posted on XX/XX/XXXX for over XXXX, yet they are reporting to the credit bureaus XX/XX/XXXX being 30 days late. They are also reporting XX/XX/XXXX as being 30 days late. How can a XX/XX/XXXX payment be 30 days late when it is still XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
XXXX has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
Equifax just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: OH
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:
Hello, I sent certified letters to all 3 credit agencies to for the correction of my credit report. I informed them that XXXXXXXX XXXX has lied on my credit file by saying I was 180 days late which is not true. I graduated from that scam school in XXXX and I had subsidized and unsubsidized loans. This school had loans saying I received and I didnt know anything about these loans. In XXXX, I filed a XXXX XXXX and switched to a XXXX XXXX in XXXX to wipe everything out. Its showing on my credit report I was late from XXXX until XXXX. When I sent information to the credit agencies particularly Experian, they are saying the information is correct but its not. They said verified but if the school has been sued why would they tell. They have a habit of lying practices and this is another scam against former students who couldnt get a job in their field after graduating. Im trying to purchase a home and this mess is on their affecting my credit score. Thank you for reading.

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 2020-06-18
Company: ACIMA CREDIT, LLC
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 status incorrect

Complaint:
Because of the corona going on through out the country, I lost my job and do not know when I will be going back to work yet. I called the company Acima Credit and explain to them that until I was able to return to work I would not be able to keep up the payments on the 2 lease accounts I have with them. They did not want to listen to what I was saying, just kept telling me to pay or the would come get their property. I offered to pay them alittle instead of the full payment, They refused. Told me they want full payments and the system they have will not take allow partial payments. I call them again today XX/XX/2020 because they filed late payments on my credit report. I fell as if I did all I could to work with this company. They did not want to help at all wanted full payment or nothing. I offered many times to make smaller payments until this covid issue was over. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.

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 2022-07-25
Company: EQUIFAX, INC.
State: PA
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:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was an unauthorised transaction of {$2000.00} with a merchant ( XXXX XXXX XXXX in XXXX ) on XX/XX/XXXX. I disputed this transaction with my US credit card company. The dispute was resolved against me in XX/XX/XXXX and I made the payment. My credit card company resolved the transaction as valid. 

I approached the merchant recently in XX/XX/XXXX and learned that the merchant does not have my payment. The merchant bank made a permanent debit to the merchant due to insufficient documentation, this means they resolved the transaction as invalid. The merchant bank opened an investigation and confirmed that they credited the card holder account ( my account ) on XX/XX/XXXX.

I shared the above information with my US credit card company in XX/XX/XXXX. They sent a letter on XX/XX/XXXX which says - " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 

Summary : -- -- -- -- -- -- - 1 ) The transaction happened on XX/XX/XXXX for {$2000.00} 2 ) I disputed the transaction in a week but it was resolved against me in XX/XX/XXXX and I made the payment.

3 ) Approached the merchant in XX/XX/XXXX and found that they do not have my payment because the merchant bank resolved the transaction as invalid due to insufficient documentation. 
4 ) Approached the merchant bank in XX/XX/XXXX. The merchant bank opened an investigation and confirmed that they credited the card holder account on XX/XX/XXXX.

5 ) Approached my credit card company and shared the above information. Their letter dated XX/XX/XXXX says " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 
6 ) The merchant does not have my payment. The merchant bank says they credited my account on XX/XX/XXXX. My credit company says they did not get the credit. Who is having the money for the payment I made? My credit company can not close the investigation without addressing this.

I already opened a complaint ( XXXX ) but this is additional information to that complaint.

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 2023-03-03
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2022-09-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I tried to use a discount promotion online with my XXXX credit card issued by Comenity bank this afternoon. Online they said the items were excluded from the promotion. However on the promotion card it said that it was {$30.00} off of any purchase of {$100.00} or more and it did not specify the exclusion of any items. I did talk to the company finally after a prolonged period of time waiting online and they did give me the discount. However many people would be deceived by the discount card. There was no disclosure on the discount card I received that said any items would be excluded. I explained that to the woman on the phone and she eventually gave me the discount. However many people would not see that and would be deceived and will pay a higher price and they shouldve. You should investigate this. Its XXXX discount on a comenity bank card. It feels like a deceptive practice under XXXX that needs to be fixed so other consumers dont get swindled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Acc # XXXX To whom it may concern : I own the property at the address listed above, and your bank services my mortgage. 
Over the last several weeks there have been many stories documenting the problem that banks are foreclosing on homes without proof that they own the loan. I have learned that in many cases, banks like yours do not even know who owns the loans you service. Employees at several leading banks have admitted to rubber stamping tens of thousands of foreclosures every month, without even checking to make sure that the bank had a legal right to proceed with foreclosure. In some cases, banks allegedly falsified mortgage documents to cover up their mistakes. There have been reports of two banks trying to foreclose on the same home, banks foreclosing on homeowners who were current on their payments, and even of a bank foreclosing on a home where the homeowner had never taken out a mortgage to begin with. This is not merely a technical problemit is the difference between having a warm bed at night and being out on the street. 
As a homeowner and a customer of your bank, I am horrified. I had always believed that it I played by the rules, I would be protected, but now I know that banks like yours think the rules dont apply to them. 
To protect myself and my family, I need to know who owns my mortgage. Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage. Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan. I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment ( s ) _if any were recorded. I also ask that you provide me  with evidence of your firm being contractually retained to service my loan. 
If you fail to provide the information I am legally entitled to, I will be forced to consider all options available to me to ensure that my family and my home are protected. 
I ask that I receive my response in writing. 
Thank you for your attention to this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This information on my credit about inquiries doesnt belong to me and I didnt know it was on my 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2021-04-25
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: Information belongs to someone else

Complaint:
OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars XXXX our account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX our partner XXXX XXXX XXXX XXXX ) XXXX the Bank of New York Mellon XXXX It was a payment for buying of XXXX 
Amount : {$10000.00} UETR : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
If this payment is also at your compliance procedures, we ask you to finish it as soon as possible. From our side we are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Receivable Management Group, Inc. (GA)
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE MGMT GROUP ( XXXX XXXX XXXX ) {$330.00}. i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: PA
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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. 

I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. 

" A consumer reporting agency 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. '' 15 USC 1681c-2 ( a )

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