BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX  # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2022-09-01
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is to establish a contemporaneous record and to establish that still i am locked out of my account and unable to comply with the 90 day dispute federal law in which to file timely disputes. 

I have not received a copy of my statements by mail. 

This complaint shall serve as my demand to file disputed charges for all of the transactions that happened from XXXX, 2022 to present. 

This confirms that I wish to file a dispute for all of the transactions on my Credit Karma Money XXXX Account XXXX. I which also that this time evidence would be provided if the dispute is or is not in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Attorney XXXX served me with paperwork regarding a debt owed. We spoke on the phone and he agreed to make an alternate agreement with me instead of in court and stated he would not pursue the court case. I made an agreement with him to pay {$50.00} per paycheck. I moved recently and changed my phone number and sent him in writing the new information. I was having financial difficulty and asked to skip a few payments temporarily and resume my payments in XX/XX/XXXX. He agreed verbally over the phone. My employer then received a notice for wage garnishment. I contacted the lawyer and besides the original agreement he denied allowing me extra time to pay and denied receiving my new contact information. He also stated that I could be arrested for not showing up for court ( even though the court notice to garnish my wages was only mailed to me and sent to my prior address. ) The wage garnishment he said would be approximately $ XXXX/Pay period. I advised him I can not possible afford $ XXXX/mo and if there 's any other options and agreed to increase to $ XXXX/pay period and he again said there was nothing I could do as I owed the debt and the judgement has already been made. He asked me to send a copy of my monthly budget ( which I faxed right away ) and made comments to me that if my rent and electricity are up to date then I should just " hold off on paying those '' in order for me to pay this debt. I am a single mother, I do not get child support. I 've tried to work with him reasonably and he has been threatening and goes back on agreements previously made. He also mentioned how I did n't go to the original court date even though he told me I did n't have to because I went to his office and met with him directly to come up with an alternate agreement. He has not contacted me back regarding a different agreement since I sent him the budget he requested and I feel he is just stalling until it is too late for me to change anything. I also feel he took advantage of my address change and immediately filed knowing I would n't receive the paperwork and would n't show up for court because I would n't know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am submitting a dispute here because I was unable to file a dispute online with Equifax and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several XXXX violations being reported to each credit bureau. All violations are labeled for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been dealing with identity thrift for almost XXXX years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit 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 non-monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I completed my  XXXX  in   XXXX   in   XX/XX/XXXX . I hav e worked for   XXXX   XXXX   in Colorado sin ce  XX/XX/XXXX . I n   XX/XX/XXXX , I a pplied for the  XXXX  loan forgive ness, Income based Repayment, a nd consolidated my loans. I called Navient this month to update my information ( change of employer and change in income ) and they informed me that my last 4 years of payments have n't qualified for the   XXXX   loan forgiveness because I consolidated my loans the week after applying for the IBR and therefore I was supposed to reapply. I have been making payments of {$30.00} more than I was supposed to ( which I do n't mind greatly ) BUT they are telling me I need to start my 10 years of payments over under the IBR if I want my loan forgiven aft er 120 qualifying payments. All I am trying to do is have my last four years of payments count. I ca n't afford to lose the {$25000.00} I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. XXXX is the only company reporting this on my file.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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 have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit 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 non-monetary relief
Consumer complaint received 2018-05-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
syncb/lowes date opened is XX/XX/2016 account number shown XXXX for an amount of XXXX with credit limit of XXXX phone number shown XXXX. I have contacted this company and have sent them fraud affidavit and they take forever and refuse to give me any 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 non-monetary relief
Consumer complaint received 2022-03-06
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received two Cash App cards in the mail with my first, middle, and last name on them. The cards had different account numbers. On one of them, my middle name was capitalized and on the other one it wasn't. I have tried calling Cash App on multiple days and can not get anyone to answer the phone, no matter which option I select. A recording says that no one is available to take my call and hangs up on me. I was told by XXXX Bank that I need to contact Cash App through their app or call the phone number that I've already tried several times. I do not want to activate these fraudulent cards by downloading the app or by logging in to the app. I want to speak to someone from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: MO
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX  and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 {$28000.00} hud {$290000.00} first mortgage with Lakeview loan by XXXX Lakeview gave me an 18 month forbearance loan due to covid hardship At the end of the 18 months they redid my first and I was told I didn't need to qualify since it was already approved. 

We signed our loan docs with a promise to pay to Hud for {$28000.00} No where did we see that we would have to pay back the amount we didn't pay for 18 months, plus an additional amount of XXXX to Hud and there would be no reduction off the first once we did pay the XXXX. 

So we got an equity loan with another bank and they wanted the lien paid so they wouldn't be in the third position. 

When the loan went thru they sent a {$28000.00} check to hud and paid it off. This didn't reduce our {$290000.00} first at all and safe cu, Lakeview loan/XXXX and hud gave no good explanation while I almost paid double for a freeze in payments and I have yet to see an email of the breakdown. 

I have called multiple hours, lots of emails and very little help on the matter of the last two months. 

This was like borrowing {$1.00} from a friend and then he says don't worry about paying me back for 18 months then having to pay him back the {$1.00} and owing his brother XXXX on top of it. This is literally like dealing with a loan XXXX and I would never have done the forbearance if I would have know that I would be paying almost double for a freeze in payments. 

Can I please get an itemized breakdown of why and how this happened from Lakeview and I would like to dispute that I owe the 18 months lost payment plus a XXXX penalty

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck

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 2021-04-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/XXXX I received a letter from Synchrony Bank dated XXXX XX/XX/XXXX in the letter they stated their reason ( s ) for our decision " Activity on account ( s ) with Synchrony Bank indicative of high of failure to pay. '' My concern is this account was always paid on due date! For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony XXXX XXXX since XXXX! has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of XXXX XXXX an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the 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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers 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 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 non-monetary relief
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, Experian, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.

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