BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: AES/PHEAA
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
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:
Fed Loan Servicing no longer services my loan. Fed loan was included in chapter XXXX bankruptcy. I have a new loan servicer for my loans. Fed Loan is still reporting on my credit report XXXX as negative information. This has effecting me from getting any type of credit. The balances on the account are XXXX dollars and there still reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau Transunion, XXXX and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. Transunion XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and Transunion and XXXX is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.

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 2018-09-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, my old Perkins Loan from XX/XX/XXXX completed the rehabilitation process with XXXX XXXX XXXX. It was then transferred to XXXX for servicing. 

Payments have all been made in a timely matter, which has been acknowledged by the servicer. 

In reviewing my file on XXXX, I saw that one loan was being reported as in default status. This initiated numerous phone calls to the servicer as well as several government agencies to find out why that loan showed as defaulted. 

The servicer admitted there was no problem on their end and would look into it. The CS agent I spoke with also assured me that they update every Friday, and it would be resolved then. 

Except, it wasnt. Finally, on or about XX/XX/XXXX, I was told by a CS agent at the Department of Education that the servicer had not updated since last XX/XX/XXXX, and that they are the only people who can perform this update. 

As of today, it still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citizens Bank advertising a promotion for a {$200.00} bonus for opening a checking account, requiring within 90 days a direct deposit of {$500.00}. Opened account online through the bonus link on XX/XX/2018, and completed direct deposit of {$500.00} to account on XX/XX/2018. The deposit was reflected in my account as a Direct Deposit. I asked an teller at the Citizens Bank located on XXXX XXXX in XXXX, MA on theXX/XX/XXXX, if a direct deposit transfer was a qualifying transfer and was told it was qualifying and in they had down so themselves. I contacted customer service by phone XX/XX/2018, to check status of bonus since was supposed to appear within 90 days, was told it would be the following week. Contacted customer service on XX/XX/2018 the 90 day mark and was told bonus would appear by the XXXX, nothing appeared. Called customer service XX/XX/2018, was first told it was XXXX business days ( promotion flyer does not state this ) call was lost and I called back. Talked to another representative who was polite and helpful and called another department and was told my Deposit did not qualify because it was not from an employer.While the flyer does mention an employer deposit as one type of Direct Deposit it was not the sole one, this coupled the I was assured by an agent that my direct deposit would qualify and at no time when speaking to agents on previous calls was I informed I would not qualify for the bonus, only that it would post soon. {$500.00} is a lot for me and I left untouched for entire summer under the belief I would receive the bonus. I had intended to use this account because Citizens Bank has a strong presence in XXXX XXXX, but now believe I got a run around and fell for a deceptive enticement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
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 belongs to someone else

Complaint:
I don't recognize this account, i don't have any agreements with this company, i never sign anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the 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 2017-08-12
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions 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:
The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
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:
Upon review of my Experian credit file, I noticed several inaccurate accounts and inquiries, pursuant to 15 USC 1681. 

I attempt to rectify the matter by sending the attached affidavit to Experian to have these accounts and inquiries removed. 

This has not yet been done.

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 2021-07-02
Company: DISCOVER BANK
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a member of XXXX XXXX XXXX starting back in XXXX. My contract expired in XXXX. XXXX XXXX XXXX bought the company out and the gym memberships resumed without contract month to month. I was never subjected to any fees due to the fact no contract has existed since XXXX. Another company XXXX XXXX XXXX purchased XXXX XXXX in XX/XX/XXXX. I was never contacted in regards to my membership, I was unable to go to the gym due to it being closed for renovations. Still without any contract and no contact made to see if I wanted to stay with the new company I took it into my own hands and declined. I am not receiving bills for the month of XXXX. I am not a member nore do I have a contract this is becoming harassing, I do not owe this new company any money. XXXX XXXX is trying to put be in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: REGIONS FINANCIAL CORPORATION
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:
I have not worked since XX/XX/2020 due to XXXX XXXX XXXX and an XXXX XXXX at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has tested positive XXXX XXXX we have no income coming in until he returns to the school board which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Public record information inaccurate

Complaint:
ON XX/XX/XXXX I FOUND A BK REPORTING ON MY CREDIT REPORTS AND I REACHED OUT TO THEM ( XXXX, XXXX, AND TRANSUNION ) WITH SUPPORTING DOCUMENTATION AND IT IS STILL BEING REPORTED!

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 2021-07-02
Company: DISCOVER BANK
State: OH
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:
Discover ending XXXX I found charges I did not make I called bank they would not take the charges off they denied security said so the charges made by some one paid the account then stop the payment I do not know of this I did speak to them denied I have pay the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Bread Financial Holdings, Inc.
State: AL
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:
My dispute is with Comenity Bank. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the XXXX charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But Comenity insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. Comenity lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : Comenity/XXXX Comenity/XXXX ( XXXX )  Comenity/XXXX  Comenity/XXXX  ( XXXX ) Comenity/XXXX Comenity/Wayfair Comenity/Victoria Comenity/XXXX  ( ( XXXX  ) Comenity/XXXX  ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

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