BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XX/XX/XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX 3 . XXXX/XXXX XXXX inquiry date : XX/XX/XXXX 4. XXXX inquiry date: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 2019-09-01
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient Is reporting delinquent history. They are purging which is the same as re-aging. 
The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX  score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life

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 2023-01-27
Company: Bread Financial Holdings, Inc.
State: FL
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:
I put in a dispute on XXXX XXXX for a fraudulent purchase i didnt recieve from a merchant in the amount for XXXX i try calling the merchant to resolve the issue can get i touch with no one before the dispute.Ive called comenity bank over XXXX time trying to get my money back for a product I didn't recieve and nobody is helping me its been 6 months and every time I call the change the date when the dispute was put in and they erase all the conversations and the call ive made and start my process all over again.Now they say the dispute was just put in on XX/XX/XXXX and I have to wait another 60 day ive sent in email of every conversations I had with the merchant and still they won't say nothing or give me back my money i pay my card off faithfully every month please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
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: Information belongs to someone else

Complaint:
I have been in constant contact with Experian 's Fraud Department regarding US DEPT OF ED/XXXX account XXXX and US DEPT OF ED/XXXX account XXXX. I have provided all of the information that they have requested in a timely manner including but not limited to : Identity Theft Report FTC Report Drivers License Social Security Card Document Signed Notary Police Report I have also followed up via telephone multiple times. Each time I speak with a representative they advise the accounts are valid with no explanation or proof. I have been met with multiple stall tactics that include : Claims that I am a Third- Party : I have PROVEN through phone calls and documents sent that I am working alone to correct this issue. 
Information not received : I have again PROVEN through tracking confirmations that they have received my documents as requested. 
Verified through XXXXXXXX XXXX and not by a full investigation : According to the FCRA I am entitled to this, which has not happened.

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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letters were sent to XXXX XXXX XXXX In regards to a Walmart rewards credit card issued by synchrony bank. The card was purchased by XXXX  XXXX. And then sold to a collector XXXX XXXX XXXX. XXXX XXXX has disclosed false information on my credit report stating I owe synchrony bank XXXX dollars. The information was disputed in accordance with FCRA Requirements and two letters were mailed with tracking to XXXX XXXX  asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX  XXXX. This is not from the creditor that is listed on the credit report which states synchrony bank. I have given XXXX XXXX more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to 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 2017-03-06
Company: Platinum Holdings Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They have called me at work many times and is now contacting my supervisor and releasing personal information to him about me. They also refuse to provide verification of debt and threatened to have me served with legal papers or arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Bread Financial Holdings, Inc.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has called me 3 times so far today, XX/XX/21. I answered the 3rd call at XXXX CST and told the person to please not call me while I am at work, from XXXX. The caller told me that I could just put my phone on silent. I responded and stated that it is my right to request that I not be bothered while I am at work. The caller responded to this by saying " or you could just pay your debt and we wouldn't be calling you. '' I responded by stating that I was going to file a report for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to resolve an issue with the following debt collection agency " TAM/SPEARS DEWITT HALL '' regarding a debt reported on my credit report that I believe does NOT belong to me. I have asked numerous times through certified, return receipt letters to them to please send me copies of original documents. So that I, may in fact confirm if the debt is mine or not. I didn't get a response or the proof I asked for from them. All I received was a letter from XXXX  stating they have verified the debt, but NO PROOF was sent to me as requested. My first letter to XXXX  and " TAM/SPEARS DEWITT HALL '' was in XXXX. I also, tried to call directly the original creditor " XXXX XXXX '' and was told I had to deal directly with the collection agency. I'm at a lost and don't feel like either one is able to give me answers or provide me with the PROOF I have requested and should be entitled to by law. Please help me, I do not know what else to do or how to resolve this issue. In total, I have sent three letters to them in my efforts to resolve this matter. 
XXXX  FILE # 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 2020-10-22
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We entered into a forbearance agreement with Selene Finance ( our mortgage servicer ) in XX/XX/2020 as a result of hardship due to Covid19. In XX/XX/2020, re- paid all back monies to bring our mortgage current. We resumed regular monthly mortgage payments in XXXX as well. On our XXXX statement we saw that we were charge two fees in the amount of {$15.00}, totaling {$30.00}. I contacted Selene and was advised that these were advanced corporate fees for Selene having to send a field inspector out to see if we were still living in the property. 

Please see attached copy of the letter I sent to Selene Finance regarding this matte on XX/XX/2020. To date we received no response from them. 
I called Selene to today at XXXX and was advised by the customer service rep XXXX, that there was not letter received from me! He advised that I e-mail it to them at XXXX. Which I did. I do not expect to hear from them simply because they claim to not have received a letter I mailed to them. 

Needless to day, our mortgage payment as increased from {$670.00} to {$700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
How it started in XX/XX/XXXX : I disputed some information via Transunion regarding the XXXX XXXX XXXX XXXX account and TransUnion deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both Transunion and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by Transunion my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with  almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to TransUnion the information of my payments and student loan. 

XX/XX/XXXX - Transunion answered " The data servicer XXXX University will need to submit an account reinsertion request to TransUnion ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.

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 2020-07-30
Company: Experian Information Solutions 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX

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 2020-07-23
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to our attention that during a transaction in which we intended on purchasing our first home our financial information was disclosed to a third party without our consent. Our lender XXXX XXXX and the processor XXXX XXXX with Southwest Financial Funding in XXXX TN emailed our loan applications and other financial documents to XXXX XXXX, a real estate agent who was not our designated representative. We were unaware this had occurred until we were reviewing emails in preparation for a complaint against XXXX XXXX for violation Tennessee Codes Annotated and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this transaction. 

Based on the attached email and content it is apparent that this is standard operating procedure for XXXX XXXX and XXXX XXXX during transactions so we must assume many others have been affected by this unlawful disclosure. Please note we are not uploading our financial documents for obvious reasons. We are only uploading the email showing them as attachments. We will however, forward this email to a member of your bureau directly should it be requested. 

It is very concerning to us that this type of behavior is apparently what they do in every transactions and subsequently the financial documents of many consumers have presumably been disclosed without their knowledge of approval.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's an account from XXXX/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Old information reappears or never goes away

Complaint:
I have a a old joint with my ex husband account with XXXX XXXX  XXXX XXXX a car loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
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: Account status incorrect

Complaint:
In XXXX of this year I paid off my current balance with XXXX XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

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 2020-10-22
Company: Commercial Trade, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have ask the for itemization of record from these creditors Commerical trade bureau, XXXX XXXX and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation