BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: AL
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:
Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since 2016. The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/XXXX I purchased an " XXXX XXXX '' smart home accessory on XXXX for {$200.00}. The promised ship date was XX/XX/XXXX. Months have passed since that date with no delivery date in site. I contacted the manufacturer multiple times for a cancellation and a refund but they will not respond. The owner of the commerce site where the item was purchased, XXXX, will not assist and defers questions to the manufacturer. 

I contacted Chase to dispute the charge but after a lengthy review process they denied my claim because too much time had passed! That is exactly why I am filing a dispute. I contacted Chase and they said they would/could not help me and any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
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:
Incorrect information reporting on credit report, i need these items removed as soon as possible.

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 2020-07-02
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX, XXXX I financed a XXXX XXXX XXXX with Exeter Finance. I purchased gap insurance through XXXX and maintained full coverage auto insurance on the vehicle. In XXXX of XXXX the vehicle was totaled in an automobile accident. My auto insurance through XXXX paid their amount fairly quickly and left a balance on the loan. The gap insurance through XXXX took over a month to pay and only paid a portion of the remainder balance. The balance remaining is mostly fees and interest. Exeter refuses to work with me on fixing the negative damage this has done to my credit. They immediately changed off the debt which did considerate damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: The Outsource Group, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing a medical debt collection notice from " XXXX '' since XX/XX/2017. I received a notice from XXXX XXXX that they had disclosed an account from XXXX XXXX  XXXX for {$420.00} up for collection, opened on XX/XX/2017 on my XXXX report. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. 

I also received the exact same amount from a separate debt collector, " XXXX XXXX XXXX XXXX '' that I sent in a separate claim about for XXXX XXXX XXXXXXXX XXXX. They have closed that account. I still have not received any mail or calls referring to this matter from XXXXXXXX XXXX XXXXXXXX or the XXXX XXXXXXXX, and therefore can not be sure of its validity or that it is even my debt in the first place.

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 2018-05-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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 These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associate ( XXXX XXXX XXXX repeatedly contacting me to collect a debt I do not owe. Several months ago, I proved it was not my account and original creditor, XXXX Office, cleared my information however, XXXX XXXX, ruined my credit report and caused damage despite me proving I was not the person that owed the XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: NCB Management Services 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:
While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: TX
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:
I paid " Current Balance '' on XX/XX/XXXX, which I assumed was the entire balance since I did not use this card at all for quite awhile. On XX/XX/XXXX I was charged {$27.00} in interest charges. Its very deceptive. As the consumer, I believed I was paying the entire amount. 

Chase, the credit card issuer replied with the following : Interest charges are listed separately on your monthly statement based on the type of transaction and the associated annual percentage rate ( APR ). 

You have different types of balances on your account. Each has its own APR. 

- Your purchases had an APR of 0 % variable good until XX/XX/XXXX, and the interest charged on that balance was {$0.00}. 
- Your promotional offer had an APR of 0.00 % variable good until XX/XX/XXXX and applies to the balance transfer, and the interest charged on that balance was {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
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: Information belongs to someone else

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, 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 2018-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother is XXXX XXXX, and I've been trying to work with Select Port Folio my mortgage servicer to modify our mortgage and reduce the mortgage payment.

I'm being given a hard time with the process and they are unwilling to assist me.

I do want to keep our home. We do not want a catch up plan that will increase my monthly payments, please review mortgage and exercise the option to make a PMI claim if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Bread Financial Holdings, Inc.
State: GA
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 have a XXXX  store card with comenity bank. I purchased a sofa with my store card on XXXX. I made a {$390.00} payment on the store card and then my sofa purchase was cancelled by XXXX. The {$390.00} I had already paid showed up on my following statement as a - {$390.00} balance. In the last month I have made {$410.00} in purchases from XXXX. Now on my most recent statement it shows me owing {$410.00} instead of my {$390.00} credit being on there which should make my true balance of {$15.00}. The state shows a minimum payment due of {$27.00} which is more than I should actually owe them. I have sent comenity bank 2 secure messages on their website regarding the dispute and have received no response. I have also tried calling their customer service number but the rep I spoke with did not help me at all. Im at a loss at how to get this corrected and have lost all confidence in comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2019 I was seen in an urgent care for a minor issue. I paid in full at the time of service, and somehow it seems the original debtor tried to run it under insurance and it said I owed. This bill got sent to delinquent recovery associates in XXXX la at some point and thats when they began calling me. 

I went out of my way to contact the original debtor who assured me I didn't owe the bill and they faxed the information to DRA back in XXXX. I noticed the bill never dropped off my credit and received a super rude call from one of their associates in XXXX. ( Associate wouldn't let me explain that the bill shouldn't be owed so I could see what I needed to do to clear it up, kept saying " if I believed everyone I'd never collect a debt '' ) so I called the urgent care again. They AGAIN assured me they sent the info in XXXX and sent it again in XXXX while I was on the phone. They then had someone at the clinic call DRA directly to confirm that the debt wasn't owed as that is what XXXX ( a supervisor at dra ) told me he needed. I was assured after calling everyone back again that this would be taken care of, that dra has spoken to someone at the clinic, and to just wait so that it can be removed from my credit report. 

I just received ANOTHER call today from the associate who was rude to me the first time ( who I already was told would be removed from my case as I asked to not speak to her again ) who again told me the debt was owed and " i need to pay my bills '' and that there was nothing in the system that supported my claim. I called DRA directly AGAIN to talk to a supervisor at this point because I've been informed by 3 people and the original debtor that this should be handled. He basically told me that they HAVE talked to the urgent care but didn't receive a piece of paper they needed so the debt was still owed. I have NO IDEA why if you have already received word from the clinic that the debt doesn't exist it would be considered anything but harassment and an illegal attempt to collect an invalid debt to be calling me at all. Especially by someone I've asked to never call me again. He also said if I were calmer maybe his associate wouldn't have been so rude. Idk who is calm after 6 months of something they never owed to begin with being on their credit score and being harassed by people who are essentially calling them a liar for half a year ... but im pretty sure debt collectors aren't supposed to yell " pay your bills '' at people on the phone ... especially since I DO PAY MY BILLS AND I NEVER OWED THIS MONEY TO BEGIN WITH.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bridgecrest is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on there. This debt was paid off a while ago and they have not updated a single thing. I ask that they remove the balance from my credit file and stop affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid our mortgage ON TIME for the month of XX/XX/2018. Transunion has it marked as 30 days late which is incorrect.

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 2015-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX accounts were recently removed from my credit report in error and Experian refuses to correct this. XXXX of the disputed items were removed in error on THEIR end, as I disputed the payment status and comments ONLY and they removed the entire account. They sent a letter saying that they will not add information from a third party, consumer. This information had already been on my credit report! This is also my XXXX letter being sent to them. The XXXX item was disputed in error on my end and I asked for this to be re-inserted and that is when they sent the letter stating they will not re-insert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I pulled my Equifax report to review it. I submitted a dispute for XXXX creditors that are very old and over the limit to stay o my report. Equifax refuses to have them remove or they did not take the step to either review them. The answer I received was not what I indicated on the dispute. So this tells me that the company do not carefully read the disputes or plain do not understand what they are doing. 
Can you reach out to them to have this matter resolved to have the old creditors deleted from my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX  and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Information belongs to someone else

Complaint:
No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help 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