BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
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 fraud alerts or security freezes

Complaint:
I have requested that my Experian credit freeze be lift for a specfic time period twice. The freeze is still in effect. I have attempted to contact Experian by phone XXXX and XXXX. On the phone I do not get a selection to reach the customer service people. Thinking I was calling to early I waited 1 hour, still no option for customer service. Experian has assured me when I placed the lift that my freeze will be lifted and gave me a verification number. The freeze remains on my credit. All the options are circular.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these  agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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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 2021-09-21
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A correspondence was sent on XX/XX/21 in regards to collect a debt of {$42.00}. This company violated multiple laws : 1.Violation 15 USC 169 2e ( 2a ) was done by reporting a positive amount of debt owed.

2.Violation 15 USC 169b ( 3 ) was done by printing the logo on the top of the page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: VA
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 submitted a dispute to XXXX to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how XXXX   came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

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 2021-02-04
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:
I have reached out to XXXXXXXX XXXX  to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and XXXXXXXX XXXX  advised me that the payments will not be reported to the credit bureau as late payments while under this program. XXXXXXXX XXXX in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX XXXXXXXX XXXX continues to report as late payments for this timeframe. I reached out the XXXX XXXX around XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from XXXXXXXX XXXX stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after XXXXXXXX XXXX  assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from XXXX XXXX that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX  must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with XXXX XXXX and wish that they correct their errors.

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 2021-02-04
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a account with Simple.com bank and opened a protected goal account with them. I closed the account in XX/XX/XXXX. 

I received a interested earned 1099-INT statement for them in XX/XX/XXXX. To confirm the interest amount, I wanted to check my statements.When I went online there was no statements for this account. 

There is no direct call number on their website. I send email to support mail box and there is no reply for 7 days. 

I called BBVA bank from whom I got the 1099-INT statement. They transferred me to Simple call center and then after 1 hr waiting they send me some statement which was XXXX and not complete. 

As per that statement interest payment is not tallying and also balances are not tallying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Identity theft happened. Numerous credit cards opened. Comenity bank was notified and they are trying to claim its a legit credit card. This company is trying to steal money from me. Iv never had a card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have repeatedly called my father about my debt and even threatened to sue him although he has nothing to do with my debt. This threat happened on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2013 I opened up the Chase freedom card with Chase bank when I open the card I had a {$5000.00} limit they told me in time with good payments history the APR would lower. Did you not keep their agreement the APR never drop down but the credit limit did rise the XXXX is where Im at right now I called Chase for years now bargaining with them to lower my APR they havent budged I have 69 straight month with perfect payment history.. chase did NOT keep their agreement the APR, it never drop down but the credit limit did rise to XXXX is where Im at right now I called Chase for over four years now bargaining with them to lower my APR they havent budged I have 69 straight Months of perfect payments I called up Chase a few months ago and they put A bank monitor name Mr. XXXX on my case to modify it he call me roughly a month ago and told me theres nothing they can do they will not lower my APR when in fact they can lower it from where Im sitting now at 24.75 on Transactions they can definitely lower it to at least 17 % and they have not budged they have not moved they have not been anything but denied my request and reneged on their agreement with the credit card Im looking for help to resolve this matter and Im hoping that the CFPB can thank you for your time its highly appreciated l!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit card collection was send to my XXXX credit report by LVNV Funding LLC from XXXX XXXX XXXX XXXX  for {$680.00} I found the collection company number on my XXXX report and I called and spoke to a representative on Saturday XXXX  requesting an explanation, but the representative couldnt give any because she couldnt find a file with my information social security or phone number therefore she told me to contact XXXX and I did on Monday XXXX the representative advised me to follow the present report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called TransUnion in XXXX to freeze my credit report, the person on the phone took my credit card number and " helped me out '' putting a freeze my account and then manually purchased a subscription to your service. 

I have been charged every month! I don't need free credit score reports! 

I NEVER ASKED OR REQUESTED THIS SERVICE. 

I know that they need to meet a sales quota but this is shady! 

It has been really hard to get in touch with anyone from Customer Service.

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 2022-01-06
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Westlake Services, LLC
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: Reporting company used your report improperly

Complaint:
To whom may concern : West lake financial services has done unfair debt collection practices with my information. I have tried to settle issues directly with them, and we have never got ten anywhere. Please help me. 


XXXX XXXX Account numbers XXXX My address XXXX XXXX XXXX XXXX, ca

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Home Point Financial Corporation
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: Investigation took more than 30 days

Complaint:
My mortgage from Stonegate Mortgage was sold to Home Point Financial, Home Point had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with Home Point several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX  now shows account as closed and no real estate balance. Home Point has not been reporting my current timely payment either. Home Points error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before Home Point ) and years as well as my current timely obligations. Home Point Financial is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. I have been dealing with some fraud activity on my credit. I have been working closely with all three bureaus. Someohow in the shuffle Equifax has made my file i accessible to me. In addition to this they have merged my file with someone elses. When I call to get assistance they only tell me that they see my file and nothing is wrong. When I try to see my file it tells me that I am someone else. I have spent numerous hours on the phone with them trying to get this straightened out and I hit a brick wall. I need help to get my accurate file back!!! This is ruining me and causing so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX  XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal  Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX '' XXXX XXXX " late paymentXX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX '' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX " XXXX, Equifax and XXXX have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: National Check Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Check burea and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: Avant Credit Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My monthly payment for XX/XX/XXXX was due on XX/XX/XXXX. On XX/XX/XXXX I sent in a request asking for my payment to be deferred to the end of my loan. I received an email response on XX/XX/XXXX explaining the terms of doing such an action and that if I wanted to proceed I needed to reply back as it was time sensitive. I did as directed. On XX/XX/XXXX my account was debited for the amount that was agreed to be moved to the end of my loan. I sent multiple emails asking why the agreed upon direction was not followed. On XX/XX/XXXX I received a response back saying the request was being sent to the appropriate department for review. Email responses ceased until XX/XX/XXXX when I received the same " sent to the appropriate team for review '' response. It has now been two weeks, no resolution, and customer service has again stopped responding. I have over 20 emails regarding this situation as well as multiple daily phone calls that go unanswered. I want my money refunded per the agreement we had in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for XX/XX/2020. These multiple inquiries in XX/XX/2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XX/XX/2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XX/XX/2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation