BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. 

Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. 

Experian is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please remove it from my credit report immediately.

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 2018-05-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-09-13
Company: EQUIFAX, 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:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I WOULD LIKE TO KNOW WHY MY ACCOUNT WAS CLOSED LAST YR.I WOULD LIKE TO KNOW WHY THE BANK CLOSE MY ACCOUNT AND ENDED MY BANKING RELATIONSHIP .CHASE BANK IS DISCRIMINATING AGANIST ME. 

I WILL BE FILING A LAWSUIT A FEDERAL CLASS ACTION LAWSUIT AGANIST CHASE FOR CLOSING MY ACCOUNT OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: ONLINE Information Services, 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:
Received copy of my credit report. Credit report shows credit inquiry from this company. I have not authorized this company to pull my credit. Need to know how and why my credit was pulled without my consent and if any new account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Bank XXXX XXXX. XXXX XXXX, XXXX, OH XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company ( Comenity Bank ) then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, is now wanting me to pay the charges associated with purchases I never made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2019-03-06
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:
I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with experian credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with experian 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.

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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 an account with mariner finance that has been paid for 3 months now. Over the last three months my the account has been reflecting open and then closed resulting in my credit score changing by over 50 points each time. This is really difficult to maintain credit and purchase a home because this account keeps reflecting negative and positive ever few weeks. This has affected a job offer as well as home buying process.

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 2017-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2016-07-25
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this company XXXX XXXX account XXXX XXXX XXXX has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my Experian 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 2019-03-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. credit collection services company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Billing dispute for services

Complaint:
I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company XXXX XXXX XXXX sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that XXXX XXXX XXXX reported me to all 3 of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to XXXX XXXX XXXX to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from XXXX XXXX XXXX I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and XXXX XXXX XXXX send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what XXXX XXXX XXXX sent them to prove this is my account. I received nothing again. So, I sent a letter to XXXX XXXX XXXX asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but XXXX XXXX XXXX refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to XXXX XXXX XXXX on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX XXXX XXXX XXXX  charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?

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 2021-06-06
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 is missing that should be on the report

Complaint:
EXPERIAN IS REPORTING AN INCORRECT ADDRESS TO AN ACCOUNT THAT IS UNDER A LAWSUITE TO WHICH I AM INCLUDED. 

XXXX XXXX XXXX is currently in a lawsuit to which I am apart of. 

However EXPERIAN has the incorrect address on file and will not validate this account to provide the correct address as well as information that this account actually belongs to me by verifying a document bearing my signature that this account is mine according to FDCPA per code section 807-8. 

The account currently is reported charged off with no actual point of contact as the address is WRONG! SO HOW CAN I VALIDATE? Attached is a history of certified letters sent to which the address Experian provided was NEVER delivered.

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 2023-01-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I want to get remove one negative item. But still it is not been remove.

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 2018-07-17
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report with Equifax credit bureau on XX/XX/2018 and noticed they put collection on my account. ( {$50.00} medical bill ) for service which i never recieved. Since i filed dispute over the phone with Equifax rep i noticed second collection on my account - exactly same amount, date and name of debtor. So technically they just copied same debt twice on my report. So now i have two collection records about same false medical debt. I called Equifax immediately and been on the phone with different people - reps, supervisors and managers. They all assure me this is not they fault and they just blame on collection agency ( XXXX XXXX XXXX  ) I already filed complain with CFPB about collection agency two times, first time they stated, they put only one report about this false medical debt. Second time is still no answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: UNITED BANKSHARES, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I received a check from a mortgage company for the proceeds of refinancing. The check was on XXXX XXXX  and was for {$20000.00}. I took it to my bank ( United Bank ) on XXXX XXXX in XXXX, Virginia. They informed me it would take 5-7 business days for it to clear which I think is ridiculous and banks are allowed to take advantage of customers. What takes that long? Yes more of the ( XXXX ) nonsense. So I said I dont see why I need to wait that long, I had the teller to call a manager in my home bank although it had been moved. I have been a customer of United Bank and others they took over for more than 25 years. I was told by teller that their security department suggested that I go to XXXX and get a cashiers check and the money should be available the next day. I did that and was told it would be 2-3 business days. I was allowed to pay {$3500.00} from the check. I waited the three days and went to the bank to get money out what we needed but i first checked my account and found that the funds were available. When I got to the bank the teller checked my ID checked my account and had the money ready to count it out to me. XXXX XXXX was looking at the money and me then came over and started looking over the shoulder of the teller checking my account, he told her to wait until he could make sure the cashier check was good. Why did he think it wasnt good I dont know but I think he thought because I was XXXX I wouldnt have {$6500.00} in the bank. I am sure he doesnt check all cashiers checks to see if the are good, thats why you pay for them. He and another official of the bank started calling people and I waited over one hour before after I called United Bank and had them working on it some one called him and told him to pay me. I missed meetings I was delayed making payments I have XXXX XXXX XXXX and felt terrible and I have sugar XXXX. I have a right to my money and refusing to give it to me is criminal and I will file a 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