BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: AZ
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 ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. DEPARTMENT OF EDUCATION XXXX XXXX  U.S. DEPARTMENT OF EDUCATION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I requested some form a contract we verification on this XXXX party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX # XXXX I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not recieved anything and its been longer than 30 days!!

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 2021-09-08
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up payments of {$290.00} per month with Comentity bank through XXXX XXXX. We set up a weekly payment plan, but my payment went from {$290.00} per month to {$400.00} per month when we set this up. I spoke to comentity and they were supposed to change this back to {$290.00} per month for my payment, divided out weekly, but I was stuck paying {$100.00} per week. I have tried to work with them to fix this and they haven't fixed it. I am now in arrears on this with them because I couldn't afford to pay them that much of a payment, and it never should have gone that high in the first place. 
I was just hit with 30 day lates on my credit for this in XXXX and XXXX, but i don't even know how when I have been making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CCS Financial Services, Inc.
State: VA
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:
They contacted me and identified the debt amounting to {$240.00} and I never received information to verify and validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PLEASE INVESTIGATE THESE ACCOUNTS AND THE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit score with Chase.com, and it showed I have a score of XXXX. The reasons it gave were that I had one or too many delinquent accounts, or accounts that went unpaid in over a 30-day period, but I have automatic payments for all of my bills, and I have never had a check bounce, and none of my accounts have been overdrawn because of a payment to a company. It is also telling me that I do not have any realty or home lending history, but I have been living in an apartment for over 15 months, and it is negatively impacting my score with misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX  XXXX  ( XXXX : XXXXExperian : XXXX, XXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX  XXXX  ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX  XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX XXXX : XXXX, XXXX   XXXX  XXXX TX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  ( XXXX  : XXXX Experian : XXXX : XXXX. I requesting the above accounts be removed 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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'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 non-monetary relief
Consumer complaint received 2021-03-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX added a collection to my credit report and it was removed in XXXX due to fraud and it was off my account from then until XXXX. In XXXX, Enhanced Recovery Co. added it back to my credit report AND illegally re-aged the account stating it is a NEW collection with a " date opened '' as XX/XX/XXXX which even if this was mine, is WRONG. 

I disputed online with the credit bureaus and was told it was verified. It obviously wasn't. 

I called and requested to dispute again and was allowed to submit documents so I sent them a copy of an actual page from a XXXX credit report that shows this XXXX account with this same amount due. I also sent a FICO report that was pulled by a mortgage company in XX/XX/XXXX that shows this collection was NOT on my report at the time. 

They STILL came back and told me it was verified! It appeared they tried to change the date to XXXX on one of the reports but they still didn't even have the dates correct. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My Nelnet account number is XXXX have been trying to call Nelnet to understand my new student loan account that was transferred from My Great Lakes and they have not responded. The call wait time states that it is over 2 hours long and eventually I get hung up on. How can anyone expect someone to pay for student loans when they aren't able to ask any questions, get information regarding their loans, and understand how the interest is being accrued? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ACIMA CREDIT, LLC
State: CT
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:
Acima Digital Fka Simp Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments Compare this account across all bureaus. 
Hide Comparison Reported Condition Balance High Balance Payment Status Late Payments Amount Past Due Type XXXX Closed {$0.00} {$0.00} {$0.00} XXXX XXXX {$0.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion  : XXXX ), XXXX  XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX T ransunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Trans union : XXXX, XXXX XXXX XXXX TX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX ( XXXX : XXXX XXXX  : XXXXTransunion : XXXX. I requesting the above accounts be removed 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: WY
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:
Since XX/XX/XXXX I have tried to get Experian to take me off the loan they are showing on my credit report that I am responsible for. I have submitted documentation that I was taken off the loan and even in my credit file it shows the co-signers which is not held in my name and removed in XX/XX/XXXX. My XXXX XXXX has taken a significant hit with this outstanding loan and I will now need to take legal action to get removal and compensation for damages done. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status Open/Never late. 
Status updated XX/XX/XXXX XXXX {$7900.00} XXXX updated 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 2022-12-21
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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : {$0.00} ; 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

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 2018-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a loss of income in XXXX and tried to get a loan modification from XXXX XXXX loans. During the modification process the investor ( XXXX  XXXX  ) sold the loan to XXXX  XXXX XXXX for servicing. We then started the modification process with them. In XXXX XXXX loan was identified and flagged as part of Department of Justice settlement with XXXX  XXXX XXXX at a XXXX event. We continued the to submit documentation. While in waiting for settlement documentation from the Department of Justice. On XX/XX/XXXX XXXX  XXXX XXXX notified us that Select Portfolio Servicing was now Servicing the note. XXXX XXXX moved our loan again. Sps stated they did not have to honor the Department of Justice settlement or work with XXXX. Started modification with SPS. They began foreclosure process under XXXX  XXXX XXXX on documents with SPS lawyers. Stating they did not have to refile.we now have submitted rma documents for a modification on XX/XX/XXXX since making homes affordable no longer exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Initially I had business account and it was closed by Wells Fargo. When I went in to inquire about my account I was told no one new why. Each time I attempted to open an account I was denied and given an explanation of why I could not open an account with Wells Fargo. XX/XX/2022, I receive a check for {$150.00} dollars as an apology from Wells Fargo for the confusion on their part. I received a second letter urging me to cash the check.

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 2023-04-06
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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/2021

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 2019-03-27
Company: EQUIFAX, INC.
State: VA
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report shows the address XXXX XXXX XXXX XXXX, XXXX, FL, an address I have never lived at, in addition to this, it is the address of an office building in which there are no apartments or any other residential property, that is, it is not possible to live there in any way.

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