BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Affirm 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 status incorrect

Complaint:
I purchased a car seat in preparation for my son being born from XXXX. The purchase was completed through Affirm. On the day that my son was born, when trying to take him home the hospital told us that we couldnt use it because it was made with XXXX left straps ( defective ) and we had to wait to take my son home from the hospital. I called XXXX and started a return. XXXX came and picked up the car seat on XX/XX/XXXX. I still paid affirm but I alerted them that the return had been processed and that they owed me money back. They insisted that I paid, which I did, and that they would issue a refund once XXXX completed the return. Affirm then refunded me money less than a week later. 
How can I be late when they sent me my money back. I am trying to purchase a house for my family and I have to get these inconsistencies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: American Acceptance Corp. of South Carolina
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 filed for bankruptcy XX/XX/XXXX and it was discharged on XX/XX/XXXX. I am showing under XXXX an auto account for American Credit Acceptance  showing 30 days late on an account that should show closed. This is affecting my credit score and should reflect as a closed account. Please see copy of information from my XXXX XXXX report. I will be reaching out to the creditors and filling a dispute with XXXX XXXX as well. I am asking that this mistake be correct immediately American Credit Acceptance Act. # XXXX*********** 30 Days Late XX/XX/XXXX Opened {$14000.00} High Balance {$0.00} Balance Individual Account Vehicle Loan Account Type Closed Condition XX/XX/XXXX Date Reported {$430.00}

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 2020-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
Dear XXXX  & Experian, I am disputing XXXX XXXX XXXX XXXX ( XXXX  ) # XXXX on my credit report. XXXX  did not have permissible purpose to access my private information that was the used for a fraudulent loan. In order to prove this, I have repeatedly requested from XXXX  a copy of my credit report pulled for the attached loan application. XXXX  repeatedly refuses, labels the requests and CFPB complaints as duplicate, and makes a mockery of the government agency CFPB. I will include XXXX  with this complaint and they will undoubtedly list it as duplicate. Therefore, I am requesting XXXX  and Experian to review the attached undated application and notice it should not have been processed at a minimum. I am also requesting XXXX  and Experian to request the credit report used for loan from XXXX. XXXX  is playing games and doesn't have the credit application. I am relying upon XXXX, Experian, and the attached letter from Experian which states " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute '' .If XXXX and Experian notifies XXXX  who then simply replies back they are reporting properly, is not doing their job per the FCRA act.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information

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 2019-05-16
Company: LendingUSA
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Contacted Lending USA in regards to other loan products and was told by two different reps that I qualified for a second personal loan. I then went online and was pre-approved. Once called by another rep of Lending USA, I was told that I did not qualify for a second loan and could only be approved for a loan to pay a merchant. I then called Lending USA back and asked to speak to a supervisor. I was told to expect a phone call from a manger by Monday, XX/XX/19. As of XX/XX/19, no one has called me.

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 2019-06-28
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 information incorrect

Complaint:
I sent a complaint in about XXXX XXXX XXXX servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where XXXX stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.

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 2020-12-18
Company: Bread Financial Holdings, Inc.
State: VA
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 disputed this account several times and can not get anything resolved. I even have a letter stating that Comenity Bank investigated and found the account to be fraud!!! Yet they continue to bill me and put delinquent status on my credit report. If this account is fraud then how can I be delinquent??? I also found on XX/XX/2020 on my XXXX report that Comenity had XXXX accounts for me!!!! Imagine my surprise to have opened XXXX accounts on the SAME DAY unknowingly!!! And charge on BOTH accounts!!! I am getting sick of seeing Victoria Secret bills and Comenity Bank being on my credit report. Then after requesting for them NOT to contact me ... .I got a call today wanting to discuss my dispute!! There is nothing to discuss. I have a letter stating it is fraud yet Comenity continues to post as I am delinquent. This needs to be removed from my credit report, all XXXX, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited my family home of over 30 years once my mother passed away in XX/XX/XXXX via family trust. I was not only successor trustee but solo benificary of her trust. For the past 7 years I've maintained the property with no problem. I recently fell on a financial hardship which caused me to fall behind on the mortgage. In the past when this has happened I was able to simply contact the lender and workout a payment arrangement with no problem. My loan was recently sold to a new servicing company, however I didn't think anything of it. I reached out to them to request a 6 month re payment plan and provided all documentation required back in XX/XX/XXXX. Every time I would request a status they would ask that I provide them with more documentation. This delay was extensive causing me to fall further behind. To date I'm behind {$14000.00}. I recently contacted them on XXXX   XX/XX/XXXX and the representative stated the borrower is dead and hung up in my face. I tried to explain that yes the initial borrow ie my mother has passed away something that has been in my file since XXXX, however I'm not deceased. The representative still hung up in my face as I requested to speak with a manager. Since I've placed several phone calls with no resolve and even faxed over a letter where I included a copy of our family trust. The property is recorded in my name so they are well aware it's mine. To date I've still not heard back. My property is worth a lot of money and I feel this company is trying to force me to lose my family home of 30 years. At this point I have the monies to pay the back and current mortgage payments, however they still will not contact me or speak with me. They have also blocked online access so I'm not able to go online to pay and bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I asked Bank of America to dispute a charge on my credit card. The company I purchased from had obscure return/refund policies that were practically hidden on their website and after I returned the merchandise for a refund, they would not honor it. As of now, they've literally taken down ANY refunds, except for a store credit. 

Bank of America began the dispute XX/XX/2019 and credited my card with the purchase amount and began their investigation. The only research/contacting they did, was with the company who charged me. They never contacted me once to receive any documented evidence, emails, phone calls, etc where the company had told me they would refund my credit card minus a 25 % restocking fee. 

On XX/XX/XXXX, I received a letter that they were unable to pursue my dispute according to the merchant 's refund policy. I called Bank of America 's contact number on the letter and talked with XXXX who encouraged me to go back to the merchant to hopefully recoup the charges. I went back to the merchant who agreed to pay back my card minus the 25 % restocking fees. Now they continue to give me the run around and have no intentions of crediting my card. Bank of America never told me I had the right to reopen the investigation if I still felt I had rights/reason to continue the dispute. In fact after calling Bank of America on XX/XX/XXXX to see what I could do, they then told me I would have had to request reopening the dispute no later than XX/XX/XXXX. No one in the dispute department could explain why their employee on XX/XX/XXXX did not give me that vital information. I have been a Bank of America customer over 30 years and have only filed one dispute in that 30 years other than this one. I feel let down as a consumer and am out over {$800.00} as well as the merchandise which I returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit 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 2021-01-20
Company: Phoenix Financial Services LLC
State: TX
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:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX LXXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
XXXX provide breakdown of fees including any collection costs and medical charges XXXX a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
Equifax has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them and they do nothing regardless of fraud. Equifax needs to remove anything negative from my account as I have flawless payment history and I should have flawless credit. Unfortunately due to their inept employees and outdated Infrastructure, nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
D2 Management with phone number XXXX is calling me all day even at work threatening me with legal action if I dont give my personal information about a debt collection. I asked them whats all about they told to do what they told me to do, I asked them for information and license of their company but he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Netspend Corporation
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Today XX/XX/2020 I received a Brinks Money Prepaid Mastercard at my address but not in my name. I did not request a card. I am worried that it is a scam and do not want to call Brinks because I do not know if it is a legitimate number or some type of physhing scam. I have also received several text messages on my phone over the last 10 days to the name listed on this card which is why I opened the letter even though it was not my name.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have inquiries on my Transunion credit report that i didnt authorize the dates of these inquiries is XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX i called Transunion and spoke to 2 different representatives about doing a dispute and investigating these inquiries the first representative told me i needed to get a police report the second representative said they could not remove the inquiries but she never put in a dispute for them I have sent letters to the companies and sent a certified letter to Transunion i havent heard anything from them or the companies. I called the companies as well but they couldnt give me any information because i am not one of there clients. I wrote Transunion a letter 2 times

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 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.

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 2019-02-17
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: Old information reappears or never goes away

Complaint:
Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed 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 2021-07-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my consumer credit report provided by Experian and I found a number of unauthorized items on my report that Experian has shown blatant disregard for the FCRA laws by including it in my consumer 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