BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: Bread Financial 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:
I applied for and was approved for a XXXX XXXX XXXX XXXX through Comenity Bank in late XX/XX/2019. Right after being approved I was sent a piece or mail saying that the program has shut down and that I wont even be receiving a card for the account. I should not have a hard inquiry or a closed account for this listed on my credit reports. Its not right and should be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts

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 2020-04-30
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-06-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on XX/XX/18 we used care credit card for hospital stay in the amount of {$1500.00}. It was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges. This promotion precedes other interest free dates, so when making payments to our care credit, instead of all amounts going to charges with the earliest promotional date expiration 's, a fixed portion {$67.00} was paid to the XX/XX/18 charge. Thus, previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card. Misleading and I believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card, to notice. Care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions.

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 2020-04-30
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I get fraud through remitly USXXXX amount l reported this incident to XXXX bank they told me to deal with remitly so l email to customer care then they gave me XXXX consumer site l correspond with them but l didn't get any feedback.the transaction number XXXX XXXX dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and there have been someone trying to open an account in my name. There have been accounts that have been open in my name and it needs to be investigated and removed.

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 2020-04-30
Company: Credit Control, LLC
State: NY
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 saw credit control on my credit report and never had any interaction or did any business with them. When I call them they first stated that they did not ever pull the credit report but than after a manager said he just " pulled the score. '' He did not XXXX shows that they accessed my report and I have it attached. Having Credit Control show up on my credit report is a damaging to getting a rental in new york during this pandemic! 
In addition, their company name ( Credit Control ) appearing on your credit report is defamatory and libelous in nature. 
I have attached their reporting to this email. Please Help CFPB XXXX XXXX contact - XXXX XXXX XXXX Registered Agent XXXX, XXXX A. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.

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 2020-02-08
Company: AES/PHEAA
State: KS
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:
On XX/XX/XXXX, I discovered that my account with my federal student loan provider - FedLoan Servicing - was simultaneously paid ahead as well as two days past due. I have never paid ahead, nor have I missed a payment, during my entire history with this company, dating back to XX/XX/XXXX. In fact, I have consistently made the minimum monthly payment as determined under the terms of my income-driven repayment plan well in advance of each month 's due date. In XX/XX/XXXX, I resumed XXXX coursework at the University of XXXX, taking six total hours of classes for the Spring XX/XX/XXXX semester. I discovered in XX/XX/XXXX that my loans had been placed in in-school deferment. I wished to continue paying as normal, so I contacted FedLoan and submitted the necessary paperwork to have the deferment removed, backdating to XX/XX/XXXX. Since that time, however, I've dealt with a series of errors, beginning with my account showing as " paid ahead '' around XX/XX/XXXX. I spoke with a loan counselor in XX/XX/XXXX to resolve the issue, and continued to make my monthly payments as usual. Since I discovered the XX/XX/XXXX error, I've spoken with at least four different loan counselors and have received varying explanations and solutions, including the following : - Loan payments were misapplied, and would need to be manually reapplied, dating back to XX/XX/XXXX ( XX/XX/XXXX ). She informed me that this process would likely take 7-10 business days. 
- In pursuit of an update on the reapplication of my payments, I spoke to a loan counselor from the PSLF program on XX/XX/XXXX. According to him, one part of the system was showing as past due, while the other was showing as paid ahead. Should be fixed as of this morning ( XX/XX/XXXX ), but will call back tomorrow if not. 
- The loan counselor I spoke to on XX/XX/XXXX - XXXX, ID # XXXX - did call back on Friday, XX/XX/XXXX, and left a voice message. However, when I called FedLoan, I spoke to a different counselor who said that only the XX/XX/XXXX payment needed to be reapplied, offering two solutions : 1 ) go ahead and pay the {$76.00} that was supposedly " past due '' - an amount that has fluctuated from day to day - or wait a month to process a reapplication of the XX/XX/XXXX loan payment. I selected the latter. 

As of Saturday, XX/XX/XXXX, it appears that only the " paid ahead '' error appears to have been resolved. However, my online account now shows that I apparently owe {$100.00}, and that my account has jumped from 10 days past due as of yesterday to 42 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I reported the business to the XXXX  about 3 weeks ago because of collection calls I was receiving. Told two representatives that I have not worked due to COVID19 and I told them I would pay the loan as soon as I resume getting a check. They went on to ask if I was getting an unemployment check, I explained to them that I dont know when Ill resume work because Im not eligible for unemployment. I told them soon as I get paid Ill resume payments with them. Theyve continued to debit my checking account resulting in it being $ XXXX, if I told them I have no money then that means they shouldnt try to pull money out thats not there. This is a violation of my rights and I got the XXXX  involved and Check N Go tried to refer me to their online customer service instead of an actual representative of the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection of XXXX XXXX  XXXX. I was abroad because I am active military and I am on duty. This is a violation according to 15 USC Section 1692a. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed for insurance through XXXX XXXX and the bill has been paid, but it still appears on 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 2020-04-30
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am on 'Stay at Home Orders ' because of Covid19 since XX/XX/2020. I work part-time so do not get a paycheck while furloughed/Whole state is shut down due to Covid19. I sent Discover Card {$100.00} on XX/XX/2020 toward my XXXX payment of {$450.00}. They called me 5 times on XX/XX/2020, I picked up and talked to them to see what they wanted. They want {$900.00} by XX/XX/2020 that I don't have! I told them I am on 'Stay Home Orders ', don't get paid, and I work only XXXX at a XXXX  which is Non-essential business. The young man was talking fast and pounding me to say I would pay them {$900.00} that he gave me a XXXX XXXX! I asked him to lower my interest rate, make my monthly payment small, told him I want to pay but don't have it now! I was in Panic Mode and couldn't understand him any more and I told him that. He said he would mail me my bill but nothing has changed on it. Yesterday XX/XX/2020 Discover card called me 11 times and it happened to be the day my kitty died in my arms ... 11 phone calls in one day constitutes Harassment! I need them to work with me and stop the phone calls! Send it to me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: Westlake Services, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2020 - Equifax reported false information to my creditor causing the creditor to close my account - this information was not according with truth or fact, was incorrect. Equifax stated in a written report that my credit score was XXXX and list on the website that my score is is a XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX  XXXX {$11000.00} XXXX  XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
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 requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call Lakeview every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for Lakeview to  removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from Lakeview stating that the inquiry was finish and they would not removed the late payments.

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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report XX/XX/XXXX which I have file three disputes and I disputed 18 inquires that was not authorized by me for credit due to ID theft .Which I provided credit bureau proof. I have not heard back from bureau yet. 

Inquiry Date 1XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8XXXX XXXX   XXXX XX/XX/XXXX 9 ; XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX 14 XXXX XX/XX/XXXX 15 XXXX XXXX XXXX XX/XX/XXXX 16.XXXX/XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX 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 non-monetary relief