BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
I have a loan with SELECT PORTFOLIO SV CIN. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late  payment on my XXXX  credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and SELECT PORTFOLIO SV CIN with no successful resolution. XXXX  only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Bread Financial Holdings, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCAPITAL/XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report perXX/XX/XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Nelnet, Inc.
State: TX
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:
Good afternoon, My student loans were previously with XXXX XXXX.They were transferred to Nelnet in 2019. 

While with XXXX XXXX, these student loans were consolidated into one repayment account. Nelnet immediately created separate repayment accounts without cause or explanation. 

While with XXXX XXXX, these student loans were repaid based on income. Upon transfer to Nelnet, these student loans have been approved for income-driven repayment. All necessary income information was submitted directly to Nelnet from the IRS via the Federal Student Aid website. Nelnet has illegally driven these loans into forbearance/deferment, and requests for explanation have gone unanswered. 

I have repeatedly requested the following : 1. Loan consolidation ( as per the previous provider ) 2. Income-driven repayment ( These loans have been approved for income-driven repayment for 2019. ) My letters and e-mails to Nelnet have gone unanswered. These loans have been illegally unconsolidated and have been illegally driven into forbearance/deferment. These are not my wishes. 

A student loan attorney has recently been contacted. The attorney has advised me to contact the Consumer Finance Protection Bureau prior to legal recourse. 

Please contact me at your earliest convenience about the best course of action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, 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 mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, XXXX, and Equifax. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to Equifax several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
This company continues to report incorrect information. They also keep marking my complainst as duplicates. Please note the following NEW information ( last complaints continue to go unresolved as well ).

I just received an alert this morning that my socre has gone down again since my account is 60 days past due.

1 ) It is not ( see screenshot from app ) late. It is on track and no payment is due or late.

2 ) As company states that I regularly receive emails from them and open them ( as they say they are tracking me )- I'd like them to show me a single email that I have gotten about this.

3 ) See the screenshot from XXXX  where they are reporting 60 days late and an incorrect balance.

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 2023-11-03
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Collector, Transworld systems received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is XXXX plus years old now, and the account has been delinquent for XXXX plus years now. 
Transworld systems did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through XXXX 3 times and each time they were unable to make changes. I have been locked out of both the XXXXXXXX XXXX and the Transworld Systems portal, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the 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 explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I lost my wallet containing a WalMart CapitalOne  credit card. On XX/XX/XXXX, I discovered fraudulent charges on the CC to the following amounts : {$150.00} from XXXX XXXXMerchandise {$130.00} from XXXXMerchandise {$110.00} from XXXX  {$44.00} from XXXX  for a total of {$440.00} in fraudulent charges made all on XX/XX/2020. 

On XX/XX/2020 Capital One gave an Initial Acknowledgement XXXX  Fraud. 
On XX/XX/2020 Capital One acknowledged one payment that had yet to be credited back to me and informed me that they were continuing their investigation. 

On XX/XX/2020, I received a notice that there had been no indication of fraud to my fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 mailed in several documents about identity theft and inaccurate information being reported to all the bureaus TransUnion, XXXX, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX   several times within the last 5 months. The only company that has almost complied is Transunion, every other company has not done there job to report information accurately.

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 2019-02-07
Company: EQUIFAX, INC.
State: MA
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:
ive been a XXXX man for XXXX  years and i cant change that eqifax keeps lowering my score because im XXXX every month not because of credit issues it saddens me how every XXXX person in this world has a duty to knock the XXXX man down everytime he tries to be somebody or do something positive its like at birth XXXX  people are told to never allow XXXX people anything i have 100 percent payments on time 2 car loans and 7 credit cards all on time every month credit utilization 16 % i have XXXX in credit and used only XXXX so why is it every month my score goes down and never up i know filing this complaint is useless cause its the way of the world no XXXX  person is allowed to treat a XXXX person fairly every even after all the years of XXXX people getting knocked down there is no reason for my score to be dropping when i pay on time never late i finally see why XXXX people are held down so XXXX  people can look better and the saddest of it all the XXXX  person doesnt even have to know you personally its just that no XXXX  person can allow a XXXX person to suceed XXXX  people will always XXXX and im supposed to like how im treated or im supposed to say oh not all XXXX  people when it is i dont know eqifax or XXXX  so why would they knock my score down every month for no reason ill tell you its because im a XXXX person trying to do the right thing and having a high credit score i would be on a XXXX   persons level and XXXX people dont want that to ever happen so i know this complaint is useless because a XXXX person has no weight or rights in america so keep XXXX america alive XXXX lives dont matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove any account 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 is not relating to any transaction by the consumer. XXXX XXXX Balance : {$420.00}.

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 2021-01-12
Company: EQUIFAX, INC.
State: IL
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 filed a dispute with Equifax on XX/XX/21 and they already finished their investigation on the same date. I do not feel they even investigated anything it was less then 24 hours and I feel this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 credit reporting act XXXX XXXX XXXX XXXX  Account Number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions.

15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2018-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax does not show mortgage : Opened in XX/XX/XXXX, mortgage holder : XXXX/XXXX  XXXX. 

XXXX and XXXX are both showing this mortgage. 

Disputed with Equifax, first, a few weeks ago ( in between XX/XX/XXXX and XX/XX/XXXX ), when I signed up for a service called " XXXX XXXX '' and noticed that Equifax was not showing the mortgage, but I never received a response from Equifax. The credit reporting service ( either XXXX XXXX, XXXX, or XXXX ) offered a recommendation that I was lacking and needed " relevant '' or " current '' real estate loans to show on my credit reports. 

XX/XX/XXXX, I attempted to check Equifax status, but I could only find where it said my dispute had " expired. '' XX/XX/XXXX ( today ), I attempted to make contact with Equifax through its website, but I only receive a message that my account is locked and that I should contact them directly, but it is unclear as to how to do this. 

This may have a negative impact on my credit which concerns me a great deal, or at least it does not have a positive effect, as I have never missed or been late with a payment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I went to chase bank XXXX XXXX XXXX, in XXXX XXXX California. I opened a checking accounting to deposit a refund check issued by my insitutuion where i'm enrolled for school, The personal banker XXXX advised me to electronically deposit the federal issued check even through my suggestion to deposit XXXX in person. I was made aware I would have a regular wait time of XXXX days to receive access and XXXX dollars was made available in the meantime. After the bank received my funds they automatically flagged my account and restricted access, after numerous calls back and forth between customer service and my school there is no clear answer on why my money has not been made available to me, but yet is available and circulating through the bank itself. The common request is for a verified phone number of the check issuer, and my school has no idea what a verified number refers to. I've met with the head banker and still can not access any of my funds even though as a college student on the verge of homelessness they will not help. So much misinformation, and no clear cut answer, I really want my funds and it feels extremely unethical the way I've been advised and how they are handling my money, the money is present within chase and they're actively accruing interest for there own profits, at my own expense and livelihood. I do not know what to do at this point, and the response time has been lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attention to cfpb ; A company called XXXX is putting false information on their search seite and refusing to remove the info. I have tried to resolve the issue with the company directly however I am receiving no response and it has been 3 months and this poses as a security issue for me and my family as our personal info. is being exposed. They put my name in these listings XXXX XXXX ; XXXX VA and XXXX XXXX in XXXX XXXX VA. I don't go by this mane nor do I live in any of these places. Also a company XXXX XXXX ; XXXX ; XXXX ; and XXXX ; XXXX ; XXXX and many other like XXXX ; is posting false information in these names XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX also XXXX  ; XXXX ; and many other search seites is being posted like this and I want all these false info. to be removed and also XXXX   posted false divorce records against and refuse to remove the info. also a with hold persuant. to USCIS false odd file control number is circulating on XXXX and on other searches as well in XXXX XXXX XXXX and I requested this to be removed but they denied this request also also XXXX and complaints XXXX falsified slanderous alligations against me that could harm my security and I pose as no threat to no one any I am a legal law abiding US citizen.

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