BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXX of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing 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 2015-10-27
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Got charged with a medical bill on a date I didn't even go to the hospital or any other healthcare place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020

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 2016-10-22
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Recently, Chase has updated their web site which has made it almost useless. You can not find the information you need. I had to revert back to paper statements because their system is so obtuse. I also rarely use their online payment system because it is so buggy. I really feel that they have done this to make it harder on the consumer and the likelihood is more fees will be charged through no fault of mine. When I contact customer service through their website, no easy task anymore, the answers I get do n't even address what I asked! If I could pay this off and use another company I would, but I am stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX XXXX {$26000.00} 4.XXXX XXXX XXXX XXXX {$4900.00} These accounts where all open fraudulently

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 2017-01-31
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XX/XX/XXXX I was granted a request for a Graduated Repayment Period on a Sallie Mae student loan. I was sent a document outlining the repayment schedule for this program, in which I would pay interest on the loan but not the principle. On XX/XX/XXXX I was charged both interest and principle on this loan through an auto-debit transaction. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledge that I was owed a refund. The refund was not issued. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledged that I was owed a refund. The refund was not issued until XX/XX/XXXX, at which point my account was shown as past due for the amount refunded to me. On XX/XX/XXXX I called Sallie Mae and spoke with a manager who assured me that the owning balance would be removed and the problem would be remedied. On XX/XX/XXXX I received an email saying that my account was past due for the amount of the refund. On XXXX I called Sallie Mae and spoke with a manger ( XXXX ) who told me my account was past due for the amount of the refund. Sallie Mae is making unauthorized withdrawals from its borrow 's account. These withdrawals are in excess of the amounts specified in its lending agreements about Graduated Repayment Programs. When a refund is sought out, the refund amount is then held against the borrower as a past due payment. Despite frequent and persistent efforts to resolve the issue - and open acknowledgement on Sallie Mae 's part that the account has been drawn down in error and no amount is owing - the issue has not been resolved and stands to negatively effect the borrower 's credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by 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 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I made a request for my Credit report, and the Co. said they did not send it to my home address. 
Enclosed is my Bank Statement please send a free copy of my Credit report to 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 2020-04-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX XXXX and Transunion to correct my address but they have refused since 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 2020-04-05
Company: LEXISNEXIS
State: NH
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 have disputed the BANKRUPTCY account # XXXX with XXXX  on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. XXXX  continues to respond that the account is verified and the information is certified by LEXISNEXIS RISK  XXXX XXXX XXXX. 

The account numbers reported through XXXX  as XXXX do NOT match the account number being reported on LEXISNEXIS BANKO REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to LEXISNEXIS CONSUMER CENTER on XX/XX/2020 and XX/XX/XXXX ( as instructed by XXXX  on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. LEXISNEXIS continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, XXXX, can simply get the account verified by another consumer reporting agency, in this case, LEXISNEXIS, without any actual proof. 

I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that XXXX  is reporting is false and is also a violation of the FCRA. 

I sent a letter to the US BANKRUPTCY COURT in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recently, I got mail from Bank of America with a new account number and a statement showing beginning balance, deposits, etc. However, I did not request this account and I believe it was opened as a result of fraud. I visited the local Bank of America branch on XXXX XXXX in XXXX, WA and reported this as fraud, but was given a telephone number to call to resolve the issue. I called the number and was transferred a number of times but I never could reach someone that could help me. There was no automatic choice on any of the menus to report an account that was opened by an identify thief or similar. In short, there is no mechanism in place at the number I called to provide help for this problem.

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: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My partner and I have lived in our home in XXXX XXXX, MD for over 22 years. Because we are both in XXXX XXXX  and work on commission, our incomes always fluctuate. So many times during those years we have gotten behind, but we would send what we could until we could fully catch up. And always the mortgage servicing company accepted those payments, whatever they were ( see attached ). And that has been true of Select Portfolio Servicing, Inc. ( SPS ), our current servicer. 

However, on or about XXXX XX/XX/2018, I sent SPS a check for {$4000.00}, which SPS returned on XXXX XX/XX/2018 ( see attached ). SPS rejected the payment and in its unsigned letter said it would only accept over {$17000.00}. More recently, SPS returned a payment of {$18000.00}. 

As I noted above, our incomes fluctuate regularly and the markets have been slow for us the past year or more. We are doing the best we can, and SPS is just trying to force us out of our home, even though it has in the past taken payments less than the full amount owed. How can a mortgage servicer, which is supposed to work to get money to pay down a debt, reject significant payments? I feel that something has changed to propel SPS to treat me in a different manner than previously and that the company 's motivation is suspect and possibly discriminatory and thus not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issue I am having is that this credit card was not opened by me. I have made multiple attempts to resolve this matter, and this issue is still ongoing. This company obtained a judgement on me in small claims court with no notification of any court date for me to attend. LVNV Funding LLC falsified that I was served, and I was never notified. Now they are pursuing a garnishment against my wages. What my concern is that how many people have they done this too. The information was just received on XX/XX/2022, of a garnishment and they filed this in the court on XX/XX/2022. I have disputed this issue over and over for years because my purse was stolen, and all my identification was stolen. I had to get replacement license, green card, social security card. Everything was replaced. Can you please direct me on getting this issue resolve. This company is obtaining judgement against people through fraudulent practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX  XXXX {$26000.00} 4.XXXX XXXX  XXXX   XXXX {$4900.00} These accounts where all open fraudulently

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 2022-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX XXXX, and financial hardship.

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 2019-10-31
Company: Open Dealer Exchange, LLC
State: NJ
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:
Credit inquiry placed on credit file. Company failed to comply with requested Validation of signature.

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 2022-04-15
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 account was opened fraudulently by somebody without my knowledge or consent. The name of the institution is XXXX and it was opened on or around XX/XX/2021 in the fraudulent amount of {$11000.00}. I have made many attempts in resolving this issue with both the credit agency and the financial institution. XXXX has not responded AT ALL. The credit bureaus are asking me to contact the bank. I have filed a complaint with the FTC multiple times. Experian is refusing to remove this account. I have outstanding credit and its completely unfair that somebody ruined my entire financial structure. Experian should be held responsible for allowing thieves and fraudsters to cause damage to this extent. They need to protect the citizens not fight against them.

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