BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX issue. XXXX XXXX and XXXX XXXX : First of all, this is not XXXX XXXX account. Second, XXXX has been called and contacted multiple times with no resolution. 

First of all, I had a home disaster, while we were evacuated from our home, XXXX charged us for it the whole time, Next, I turned in all of their equipment and regardless, I paid the bill monthly and in full. Because of the billing, I changed to XXXX. I paid XXXX in full, they had received all tier equipment and I did, multiple times, call to confirm XXXX balance. 
When I received my credit report, a time later, I was in shock. They claimed a Charge off on the credit reports. In Experians case, the CO is claimed for to whole years, since XXXX. I asked for confirmation and offered to pay what I owed, but they person answering the phone stated I did not owe anything. So, I requested an investigation from both the credit agencies and XXXX. Of course, XXXX states they dd one and the report is accurate, yet, neither Experian and other creditors, to include XXXX will not provide their proff, nor provided me an answer what I owed to them. 

In the mean time, my job questioned a few weeks ago, sine my credit report and what they reported has a high impact on my employment. A charge off is bad, AT this point, I have no idea what was charged off, what I owed ( they stated nothing ) and am disregarded in trying to get this off my credit reports. I am told, when I re engage that they investigated prior and doing NOTHING FURTHER by both credit agencies and XXXX. They are ruining my credit and the credit agency is not holding them to standards, obviously. I get the same feedback, the company states they looked into it and they are reportig accurately - nothing is challenged or provided to me, as requested. I requested time and time again of their findings from both and am ignored. The last time investigation is XXXX XXXX. 

I started this inquiry, years ago, get frustrated and try again. Ultimately, it is very past 30 days of resolution. I want XXXX off my credit report. And if it is on any of my husband`s ( bill I snot in his name ), remove it off is too. 

Also, at my job, XXXX was addressed and if I lose my job on their reporting, this WILL STEP UP! XXXX XXXX is a XXXX  veteran and this will hurt her employment. 

NOt sure about the other creditors, but, Experian seems to do nothing about my requests and never provides proof, - XXXX is one of them.

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 2019-08-15
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit reports due to the recent XXXX breach. Based on the information I show on my report, it was opened on XX/XX/2018. It is reporting under the company CBE Group as a collection for {$400.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had the chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX of 2020, we called Carrington Mortgage and requested a CARES Act forbearance on our FHA mortgage loan. We were told that it was granted for 3 months, and the Carrington employee then cancelled the automatic payment that we had set up. The Carrington employee also told us that we would be able to move the missed payments to the end of the loan, and that the mortgage loan term would be extended accordingly. 

Despite this XXXX conversation with Carrington, we received a " Notice of Intent to Foreclose, '' dated XX/XX/2020 from Carrington. We understand this to be a direct violation of the CARES Act. We want to make sure the Carrington Mortgage complies with the CARES Act, and does not take any action to harm our credit scores or to foreclose on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The following inquiries done by 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 were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it 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 2017-08-08
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. I also have your letter that violates the FDCPA and proof that you would rather keep sending this letter with the violation rather and pay the damages to consumers since you make more money off the letter than you pay out in damages. Get this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this 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 non-monetary relief
Consumer complaint received 2019-08-15
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: Their investigation did not fix an error on your report

Complaint:
Experian has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. Experian is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing 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 2020-07-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX  is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing 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 2020-05-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX received call from XXXX from XXXX XXXX XXXX. Robocall Trying to collect on an alleged auto debt from 2011 that was either put in a bankruptcy or is just time-barred from collection as 5-yr statute of limitations had passed. I called the number they told me to call : XXXX. The rep on the phone said his company is trying to serve me with papers for court from Santander over a supposed debt from XXXX. I told him about the bankruptcy. He said good luck in court and hung up. 

XXXX got another call from XXXX and told them the same thing. He said the robocaller is going to keep calling till my info is removed ; and Im still getting served papers for court. No court case info or anything. I called the XXXX County Clerk of Courts. They have nothing at all for my name. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used auto pay for my Macy 's account. I program my payment for the minimum payment so I wouldn't forget my payment each month. My minimum payment to Macy 's is {$28.00} but for some reason they were taking {$56.00} out that's double the amount. This happened from XXXX to XXXX of this year. I received a phone call from an agent XXXX XXXX saying I missed my payment. When I noticed that Macy 's was taking over the amount I went in and changed my payment to the {$28.00} a month recurring payment. I never miss my Macy 's payment.

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 2022-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells fargo and XXXX calls me everyday regarding owed balance which dosent belong to me

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 2021-02-25
Company: EQUIFAX, INC.
State: CO
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:
I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of XXXX separate data breaches my personal information was held liable in, I still dont get the respect I deserve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: LA
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 am exercising my consumer right under 15 USC 1681c-2 Block of information resulting from Identity Theft. The below accounts were due to identity theft and I'm requesting to have the items removed and blocked from my consumer report within 4 days. 
Identity Theft Report # : 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 2021-03-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple attempts made to correct a problem with the XXXX Account. Company continues to update information without accurately notating account. The Closing date is inaccurate, the last activity date is inaccurate.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple attempts have been made to correct issues with this company. The XXXX account is reflecting inaccurate last activity date.

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 2021-03-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed two accounts for the past few months and no action has been taken on their end to resolve or dissolve this issue. It has caused so much stress and worry in my life due to the negative impact it has had which disqualifies me for many things. As as single mother to XXXX boys ( who recently lost their father ) I am running low on time to continuously battle this fight. 

The two accounts I have bee disputing is with XXXX XXXX as well as XXXX XXXX, both with the same lender. 

The amount reflected on my credit for XXXX XXXX as a charge off is : {$1800.00}. 

Amount reflected on my credit for XXXX XXXX is : {$3300.00} I have disputed these accounts countless times and although the companies/lender can not provide proof of my responsibility they remain on my credit file. 

Kindly assist me with this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We are desperate and really do not know where to turn for help. Back in XXXX of 2020 we heard that because of Covid 19 and the nationwide shut down, mortgage companies were offering up to 6 month of ( deferred? ) payments. So we called US Bank and they agreed to let us take up to 6 months off with no payments. ( Our original mortgage was sold to US Bank. ) Neither of us had lost our jobs ( both XXXX  ), but I lost some income as a XXXX and my wife was unsure what could happen with her job because it is a XXXX XXXX  that relied on tuition, so heading into summer, it seemed like a smart thing to do. 

So fast forward to XXXX. We wanted to start paying again so we called them to let them know and to find out what to do. We were told that we needed to pay {$3600.00} to make up the escrow shortage and then our regular payments would start again on XX/XX/XXXX. So we paid the escrow. We made our regular payments in XXXX and XXXX, on time. We then got a letter saying our payments were late. This is where it gets crazy. We called and they said that the escrow payment was applied to the XXXX, 2020 payment and one of the regular payments was applied to XXXX. So this was a mistake on their part. 

To make a long story short, we have called them 12 times in the past 2.5 months. Each time it is a different person because they can never seem to find the last person. Also, each time, they gave a different explanation and claimed either they would fix it, or that someone would call back. They have moved payments around, but further messed it up. They even have a payment in " suspension account ''. We have talked to customer service, loss mitigation, escrow, and supervisors. ( I have names, dates, and notes for each call, most of which have been 2 hour ordeals. ) They have told me 6-7 times that they figured out, and 6 or 7 times that they would call back. It is not, and they do not. One person even told us to ask to defer payments again and then request a loan modification. ( And they never followed up ). I have talked to no less than 20 people. 

As of today, XX/XX/XXXX, I called again and was told a supervisor would call me right back. That was 2 hours ago. We have made regular payments every month since XXXX but they have us listed as 2 months behind. Also, my credit score dropped 100 points today, even though they assured me they would make sure this would not affect it. 

This has caused us a lot of stress and confusion as you can imagine. We would love to chat with you about this and we are willing to do anything at this point to let people know and to get this resolved. 

Thanks so much,

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 2017-12-23
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
i did not request a look for any credit information about me.

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