BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I contacted XXXX XXXX concerning my rewards for opening a credit card and making the initial charges. I met the terms of the offer, however, no one at the bank could confirm the rewards. The bank referred me to XXXX XXXX the bank partner and gave me the XXXX   XXXX number. The number given was of no help. I contacted XXXX  via personal messenger on XXXX. XXXX referred me back to the bank. When you research the credit card offering on XXXX it is impossible to find and XXXX is no longer offering the Visa card on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been 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 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to XXXX and in being punished in my scores for their errors. XXXX  is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX and OIG. Thanks 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 explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still haven'tt removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

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 2021-05-06
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: Account status incorrect

Complaint:
XXXX should not be reporting to XXXX ; Experian and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2023-03-26
Company: Media Collections, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with Media Collections , Inc Joseph, Mann and Creed. I do not have a signed contract or a verbal agreement with this company. Media Collections Inc, Joseph, Mann and Creed is using the US Postal service to defraud me of money. This is extortion and I will be forced to notify the postal inspectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
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:
This is my fourth complaint reporting this, I am a victim of the data breach in XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for FAFSA and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. remove this account from my credit file. If you continue listing this account I'll have to seek for legal action against your company. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2019-08-23
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past year had a mortgage with XXXX wholesale mortgage and never had a problem. My loan was sold to Loancare without notice. My employer was making my mortgage payments for me due to medical issues and sent in a payment XX/XX/XXXX for XXXX. I was told there would be no late fees for 60 days due to the sale of my loan. I had my employer send in the loan amount that I had paid for the past year because I had received no notice of increased amount. Loancare applied the payment to XXXX ' bill instead of XXXX, even though XXXX ' bill was not due until XX/XX/XXXX and I had been in communication with Loancare, noting on my account about my employer paying the amount and that it would be a little late because I had no documentation provided by Loancare to submit to my employer in order to pay the bill. Loancare is now saying that my monthly loan amount has increased over 100.00 per month, when my property taxes have stayed the same and my insurance has only increased roughly 12.00 per month. I have read many complaints as to the mishandling of loans by Loancare and every time I contact them, I get a different answer. I am now considered " in default '' of my loan because they refuse to send me a breakdown of the costs verifying that what they say is true.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-13
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: Their investigation did not fix an error on your report

Complaint:
Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.

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 2020-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I posted a truck for sale on XXXX  on XX/XX/020, someone contacted me the same day wanting to buy the truck, I then received an email from XXXX advising that I received a payment but it was on Hold until I send the shipping agent his fees to pick up and deliver the truck. I was so nave and did not suspect it was a scam and I went and transfer the funds using XXXX. After further research I found out it was all scam and that I have just lost XXXX. 
I have emails and text messages that I can provide. 

Please kindly advise if this type of Scam is something that you can investigate. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The requested specific short sale documents were submitted to Specialized Loan Servicing on XXXX and exterior BPO was completed on XXXX. During the process, they requested for additional documents including the ones that were already submitted, so we have to resubmit them. And then on XX/XX/XXXX, they countered the buyer so a value dispute has been requested due to the buyer not accepting the counter of the lender but on XXXX, the lender said that they are going to request for a new value because the current value already expired, so they did not continue to review the file for value dispute. So we waited until the BPO returned on XXXX - they again countered the buyer so the buyer increased but still low compared to their value. So we again resubmitted the documents for the value dispute and while they were reviewing it, they were requesting for documents that were previously sent to them - so again, we resubmitted those and finally the result for the value dispute has returned on XXXX but on XX/XX/XXXX the lender said that the contract was rejected due to some verbiages that we have already submitted to them several times already. So, we again resubmitted the requested docs on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Alliance Group & Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 at XXXX XXXX I received a call and I answer the incoming call. When I said hello and automated system said sorry about the inconvenience and hung up. After the fact I assume this was to bait me into calling back. I called back and explain to the rep I have a call from the company in the system hung up. She told me they were looking for XXXX XXXX. I said to her how can I help you she began to tell me I had an account in their office and gave me the last four of my social security number. She did not give me the mini XXXX she did not give me the recording call disclaimer and she did not verify for me that I was the party she was looking for before disposing my personal information. I began to write things down and ask her her name and she said it was XXXX. And I said how can I help you what is the account for. At that point it's when she decided she wanted to make sure that I was XXXX XXXX. I told her you already given out my personal information and gave me the last four of my social before you identify who I was so at this point it doesn't really matter. She began to argue with me and tell me no she did not and I said yes ma'am and you did. She told me she was not going to go back and forth with me and ended the call. I called back and spoke to another rep XXXX, who was polite she didplace me on hold before she came back and ask me to verify the last four of my social she repeated it and I confirmed. She then gave me the mini XXXX and the recording call disclaimer and then she went into explain me what the account was for. I told her that I was not paying that debt as it is not something that was mine and I asked her to place me on the Do Not Call list This company also has never sent me a any type of debt validation for me to dispute it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX  kids and my oldest is XXXX and legally XXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each 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 2023-04-19
Company: CITIBANK, N.A.
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:
I myself contacted Citi-Bank via phone call. All charges were reported as fraud. The bank deactivated the card ( frozen ) and all charges dropped. I am in the process in contacting you regarding the situation and will fill out a police report online in XXXX, CA. 

The approximate charges totaled over {$11000.00} USD and the purchases ordered and delivered in Texas. I live in CA for over 70 years. I haven't lived anywhere else not including my years serving in the military.

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 monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief