BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is using repeated robocalls. I have had a total of 11 calls in total today starting from XXXX on a Sunday. This is beyond harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
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:
I am an identity theft victim. I am writing today to dispute the following errors on my current credit report. Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

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 2018-06-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: PA
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 previously reported this account 3 month ago this company reopened my investigation after completing and resolve my investigation and reinserting these accounts on my credit 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 non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 2017-09-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan is serviced by Shellpoint Mortgage Servicing. On XX/XX/XXXX I submitted a Qualified written request to Shellpoint via their email address XXXXXXXXXXXX, I did not receive a confirmation of receipt within the mandated 5 days. On XX/XX/XXXX I re-sent the Qualified Written Request to the same email address, this time I requested a delivery confirmation and read receipt from my email service provider both of which I received. I have previously sent correspondence through the email XXXXXXXXXXXX and it was received by Shellpoint. 

As of today XX/XX/XXXX I have not received a written confirmation of receipt from Shellpoint or a response to the issues I raised in the QWR. 

Per the CFPB web site the lender/servicer has five days to confirm receipt of the request and 30 days to provide a written response. 

I would like the CFPB to assist me in getting a response to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I received dispute results for a XXXX  account. This account has been disputed multiple times since XX/XX/XXXX and continues to come back verified. I am requesting the methods used to verify this debt to ensure proper protocols are being followed. 

I've asked XXXX XXXX  for validation of debt however they could not provide me with any documents bearing my signature. Their response to my debt validation letter is attached. I've informed both EXPERIAN and XXXX  that this is a fraudulent account. They are using transaction history to validate the account. 

When speaking with a XX/XX/XXXXrepresentative I was informed that the account was opened online and used in cities places I'm not familiar with. I AM REQUESTING THE METHODS USED TO VERIFY THIS ACCOUNT AND A CONTRACT BEARING MY SIGNATURE TO SHOW I SIGNED FOR THE ACCOUNT. 

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX XXXX 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 an account without my written instructions.

I AM NOT A CREDIT REPAIR COMPANY

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 2020-08-19
Company: Bread Financial Holdings, Inc.
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/2020 my account was sold to a collection agency this would be my second account they sold to a collection agency. My concern is during an medical emergency they agreed to place both accounts into a their Hardship Program with set payments after paying over {$3000.00} on each account a total of {$6000.00}. Unfortunately the Hardship Account Manager did not explain to me the program was aging my account from the first 30 day delinquency! I believe a Hardship Program should start on the day you signed the new terms and agreement as the reset date. Every month I would call in my payment to an account manager and never was I told that my accounts were approaching 120 day Charge Off! This is very poor business practice especially during a Pandemic to just Close Accounts and sell them pennies on the dollar and create additional stress with a very ill wife dealing with a collection company! The collection companies are predatory on their collection tactics to include providing Validation of Debt to include properly leaving an appropriate voice message but rather hang up or playing the I Got You Game! As a 40 year XXXX employee paying my bills and was never going anywhere! Shame to treat a good paying customer this way during a hardship situation. Reminder please check your records I paid over XXXX and paid off the accounts in the past! Made a lot of money off this card holder for sure!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX NC. The bank that financed the vehicle was XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that XXXX XXXX XXXX and XXXX banks merged to become XXXX XXXX. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with XXXX  account is XXXX. The account # for XXXX ends in XXXX. I have two credit lines for {$39000.00} on my Equifax credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my Equifax credit report. Once I paid the vehicle off, I thought both banks would report to Equifax properly and with the correct accounting information for both errors on equifax, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from XXXXXXXX XXXX, XXXX XXXX Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The XXXX XXXX stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. Equifax as of XXXX is still reporting false information that it appears that the XXXX XXXX  is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the Equifax Credit Bureau to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the Equifax credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX 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 2017-10-17
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XXXX/XXXX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XXXX of XXXX when I sent the dispute letters. It is now XXXX of XXXX -- 6 months later and I have not receive a response back from the credit bureau regarding my dispute. Under the XXXX XXXX Sec. XXXX ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.

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 2022-06-12
Company: U.S. BANCORP
State: MA
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:
This is a continuation of prior complaint # XXXX I have spoken with the company Elan again several times plus received a written response to prior complaint. 

I have now verified, and the company confirms, that they are charging me {$530.00} for accumulated interest and fees due to a payment from XX/XX/2019 that they assert was 1 day late, and which I was never made aware of because the statements they have been sending me showed a XXXX balance. They claim that the XXXX balance showing up on the statements they have been sending does not reflect the actual balance as there were 2 'accounts ', even though I have only 1 credit card. The original late fee and interest charge was approximately {$50.00}. So they are charging me > XXXX the original charge, because I never paid it, because I never knew about it. 

The company so far refuses to issue a credit against this charge, even though I have been fastidious for 30 years and have paid for all purchases made within the billing period, so that until this incident I have never paid any late fees or interest. If they had communicated to me letting me know about the fee/interest charge at the time it originally occurred, I would have paid it then. Instead, they maintained the deception that I had a XXXX ' balance every month on the statement they provided. 

I feel this is a case of a deceptive business practice. The company deceptively sent me statements showing a XXXX balance when they were actually continuing to charge me interest on an 'unpaid ' balance that was hidden from me. 

Additionally they have been unwilling to remedy this situation with a fair solution which would be to credit me for the charges. I have faithfully paid for all purchases on time. The disputed charges are only interest being charged by the credit card company on a balance I wasn't aware existed because they deceptively reported my balance was XXXX. 

If they do not remedy this situation, I would have to recommend that others stay away from this company 1st because they were deceptive about what they were doing, and 2nd because they refuse to remedy the situation in a fair manner.

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 2017-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been communicating with XXXX in hopes to find a solution to avoid foreclosure on my home. I have submitted all requested documentation and have followed up with XXXX to ensure the process is going smoothly and to ensure I am doing my part. On XXXX XXXX, XXXX I received a letter from XXXX informing me that all of my documents have been received and that my file is being reviewed. Then a few days ago I am told that I was denied, and when I requested to appeal the denial I am told I can not. All my homeowner rights are being violated and I am not being provided a fair review of my application to avoid foreclosure. Additionally, I was never provided a denial reason verbally or in writing, I was not provided a chance to appeal the denial and lastly the foreclosure sale should have been postponed while I was in active review however XXXX continued to proceed knowing that is a form of dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-07-29
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: Account status incorrect

Complaint:
It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX   XXXX 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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX  XXXX  XXXX   XXXX 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 2022-06-12
Company: National Credit Systems,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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I opened a checking account at Huntington bank online, going through their promotional link XXXX XXXX   XXXX ( not available anymore ). The rules of the promotion were as follows : Receive a bonus of {$300.00} when you open a new Huntington 5 checking account and make deposits of at least {$2000.00} into your checking account within 60 days of account opening. I satisfied the requirements but didn't receive the bonus after 90 days as they promised. 

Upon contacting the bank, I was told that my account doesn't have any promotion attached. They refuse to pay out the bonus. Even after referring to above link, they wouldn't help.

Company response to consumer: Closed with explanation