BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the date of Monday XX/XX/2022 I contacted Experian to delete an inaccurate or incorrect address from my consumer report. 

The address was XXXX XXXX XXXX XXXX XXXX which I looked this address up and this does not exist. 

I expressed this to the Experian representative she told me it was being reported by a creditor and in order for Experian to delete it I had to talk to the creditor to change the address with them then experian could delete the address XXXX XXXX XXXX XXXX XXXX 

I told her this address would take you no where because I typed it in and nothing comes up. From there she stated that there were some errors on my account and also said she couldnt tell me exactly what the errors were due to company policies. 

I then reiterated to her that we probably see the same issue which is the address stated previously in this form. She then told me it should be deleted on the Friday of XX/XX/2022 and she gave me the case number of XXXX. 

I was also was told to call back and told to give the new representative the case number to check on the status of the situation. When speaking to the new representative she told me it could not be deleted due to it being tied to an open account even though the address does not exist. 

Im confused as to how theyre knowingly allowing a debt collector ( XXXX XXXX  ) to report inaccurate or incorrect information to my consumer report. Furthermore this debt collector reporting this incorrect or inaccurate information to my consumer report is only being reported to experian. Im also confused to how this debt collector ( XXXX XXXX  ) is only reporting to Experian credit reporting agency this incorrect or inaccurate debt collection account.

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 2021-04-12
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: CA
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:
Fraudulent Inquires reporting on 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.

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 2020-11-05
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: Investigation took more than 30 days

Complaint:
The credit is not following the law. I sent out several dispute letter in regards to my credit concerns.. XXXX and XX/XX/XXXX removed the items off my credit report but Transunion fell to comply with the law.. Please help me with getting these concerns removed from my credit report immediately..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Ditech Financial LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mortgage company Ditech went chapter XXXX, sent my loan to XXXX XXXX XXXX XXXX. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im unable to Obtain a bank account with chase. I have no proof given to me. I dispute an transaction before 2018 for a charge that I didnt place and now my name is in XXXX XXXX XXXX and Im Not able to regain access to a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase on my New York and Company credit card with the online store. I return a top to them and they received the return in their warehouse on XX/XX/XXXX. However, the store indicates that they received the merchandise on XX/XX/XXXX. I have not received a credit for the shirt as of today. 

I have called New York and Company over 15 times about my credit. The same person answered the phone for all of the calls. I found that strange. I had New York and Company Bank to do a three way call with me to the actual online store. The same person answered the phone again. They told both of us that they are short staffed in the warehouse and were processing refunds from XX/XX/XXXX. 

I called New York and Company Bank today and was told by XXXX XXXX id # XXXX ) and supervisor of XXXX ( id # XXXX ) that I could just missed the payment of {$54.00}. Once they complete their investigation in 90 days that they would give me the credit at that time. I asked about my credit being ruined from the late payments. They basically told me do not worry about it. 

I just paid the {$54.00} so that my credit would not be ruined. I want my refund issued to me in the form of a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: JPMORGAN CHASE & CO.
State: MA
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:
There are a few inquiries that were placed on my credit report on Different dates by CHASE BANK from JPMCB CARD that has an inquiry date of XX/XX/XXXX and JPMCB CARD that has an inquiry date of XX/XX/XXXX and another inquiry from JPMCB CARD that has an inquiry date of XX/XX/XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: LoanCare, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mortgage company XXXX went chapter XXXX, sent my loan to XXXX XXXX Loan Care. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.

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 2023-03-02
Company: SUN WEST MORTGAGE COMPANY, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had my mortgage with Sun West for almost 3 years. It has been a bumpy 3 years but i always make sure they get theirs. I contracted a life threatening case of the XXXX XXXX virus in early XX/XX/2022, and as such fell behind on my payments to a lot of creditors since i could not leave the hospital/house for weeks, including my mortgage. I made sure i paid my mortgage first and they were taken care of, and have been since. I literally could not work because of my illness, and i was caught up until that point, and they still hit me with late fees and dinged my credit for being late. Well i got them paid, and have been fine since then, however, my credit has not been. That late payment on my credit is keeping me from doing a lot of things i need to do in my life and its just not a fair or good way of looking at on their part. I reached out to them, they sent me back a basic letter telling me " better luck next time '', not in those words, but the gist of it. I know i had some transgressions the year before that, but i am not asking for a handout there, all i am asking is for some mercy in XXXX of 2022 and a removal of that late payment in particular. I was hurt by something out of my control and i am asking for the smallest amount of mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . 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 2019-08-10
Company: Bread Financial Holdings, Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I was reported 30 days late in XX/XX/XXXX for a credit card account with COMENITYCB/XXXX. I submitted a dispute to XXXX on XX/XX/2019. The XXXX update shows me 30 days late in XX/XX/XXXX and XX/XX/XXXX of XXXX. COMENITY is reporting that the monthly payment due in XX/XX/XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called Comenity to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XX/XX/XXXX and did not understand why their computer system identified my name to be called. Also in XX/XX/XXXX the payment payment says the minimum due is {$240.00} by XX/XX/XXXX. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/XXXX. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for Comenity to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for Comenity to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: HI
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 had several communications with XXXX management team and account problem departments of which had all found that they were in the wrong concerning this debit. They had made the adjustments and I returned the phone with the agreement that the debit was satisfied. Unfortunately all my kept communications have been wiped from my files saved in my XXXX XXXX. I am very stressed to find this report on my credit. The XXXX report has impacted my credit score and partly in my attempt to improve my credit. After my dispute I have received nothing from XXXX in 30 days which I believe is law. I am requesting that the XXXX report be updated to complete and satisfactory or for the XXXX report to be removed from all three credit reporting agencies.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: CT
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX  XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted 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 2021-09-16
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: Personal information incorrect

Complaint:
Numerous times ive been disputing with equifax to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX, XXXX, mi. XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
I do not live at these addresses. At this point, equifax is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I want this employer removed immediately. Also numerous times i have disputed to have a incorrect name spelling removed. My name is not XXXX XXXX. I dont understand why they would keep this incorrect name on my credit report. Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With Experian And XXXX Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, 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 explanation
Consumer complaint received 2021-01-15
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2021 collection was reported on my account by Midland Credit Management as derogatory mark on my credit report as per XXXX.Upon, further research this account was transferred sold and i am no longer responsible for the account.Creditor did not verify this collection .Also there was NO written form of communication, contract or signature for this accused debt at all.A bill without written signature does not validate the debt and anybody can send a bill and say it's mine.According to the FCRA Midland Credit Mangement has violated my rights as a consumer and i'm requesting legal action to remove/deleted this account immediately from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
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: Information belongs to someone else

Complaint:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation