BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}, XXXX Inquired on XX/XX/2023.

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 2019-02-16
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally. 
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXXXXXX 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 2022-06-21
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any information from this company until they put the debt on my credit report. They did not have my correct address or phone number and they told me it was my fault. The amount of the debt is XXXX and I spoke to them on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company will not process my payments. I have a new bank account at XXXX XXXX ending in XXXX. I have added this bank account into their system numerous times. I no longer have account ending in XXXX. I set up for minimum payment to process and found on XX/XX/XXXX that my payment never processed. I put in to make the minimum again and also just decided to pay the account off. Payments never processed, it was as if it never happened. Anything relating to my new bank account ending in XXXX will not post to my account and they keep acting as if it never happened. 

The account is so far past due now I'm sure it has gone on my credit report, it is over 30 days past due. I have over {$16000.00} in the bank. The money is there. The money has been there. I see on Care Credit website my 2nd attempt to pay the account off on XX/XX/XXXX says REJECTED. The bank account and routing number is correct. I use dual monitors and copied it off XXXX XXXX website number by number carefully. The money is there. I am attaching my bank statement here for proof. 

I think Synchrony is just trying to ruin my credit so they can up my interest rates and also extort late fees from me. I am good for this money but they currently have the account in COLLECTIONS. I have the money, I am trying to pay the money, they won't take my payment. Then it's fees and bad remarks on my credit. Someone needs to stop this and make them take my payment. I don't like having to pay these fees for something beyond my control. I don't like having my credit ruined and being put in collections when I have the money and want the account paid off. I have been a good customer for years.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2022-08-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjusters please reinvestigate this accountXXXX enclosed are a list of violation s verifying an account that you state is accurate but has violations I will wait for your information, when a account is in dispute it has to be removes from credit report at once until the investigation is closed you did violate my rights the first time by not removing the account from my credit report when you investigated last time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Credit acceptance XXXX XXXX XXXX XXXX XXXX obscured the true cost of its loan to me the car buyer, leading to severe financial distress for me the borrower and subjected me to aggressive debt collection tactics on a loan its own system predicted that I the borrower couldn't afford to repay, also using the credit reporting agencies to harass and continue to further destroy my credit. 

Preservation of consumers claims and defenses, were not included in the contract pursuant to 16 cfr 433.2 ( a ) Securities and Commodities fraud pursuant 18 usc 1348.

Also no consideration for the negotiable instrument that I created by, so UCC 3-202 Allows me the right to renegotiate the contract.

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 2023-08-03
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization.

By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing.

Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: DE
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:
DEAR SIR, Experian is reporting a CHARGE OFF AS A outing standing BALANCE IN MY TOTAL which should not be added as a amount in my total balance. The total amount outstanding should not include a CHARGE OFF AMOUNT... 

ALSO, XXXX REFUSES TO ACCEPT MONTHTLY PAYENTS THEY WANT THE TOTAL CHARGE OFF ANOUNT, XXXX AND XXXX DOES NOT ADD THE CHARGE OFF TO THE OUTSTANDING CREDIT CARD BALANCE..XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN NOT AFFORD TO PAY A TOTAL AMOUNT OWNED, THE IRS SAYS THEY TOOK CREDIT FOR THE CHARGE ON THEIR TAXES ALREADY IN 2018 WHEN THE CHARGE OFF WAS FILED, PLEASE THIS CORREC THIS WITH EXPERIAN THEY ARE SO HARD TO DEAL WITH AND THEY DON'T REPORT FAIRLY. 

THANKING YOU FOR ALL THE HELP YOU CAN GIVE 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 2022-08-19
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Saw an offer for credit card via XXXX referral, applied and received a card with {$300.00} credit limit along with an annual charge of {$75.00} ( set up and maintenance fee ) at an interest rate 0f 29.99 %. So per their Card holder agreement attached to card if I chose to NOT accept/reject offer there would be no obligations AS LONG AS card was not activated/used or paid fees which neither occurred. I tried to reach out via email but kept coming back as undeliverable. XXXX # will not answer my questions and keeps telling me to just pay and they will remove negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: KY
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

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 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-04
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received an email from XXXX XXXX XXXXXX/XX/23 regard to a new collection from Sunrise Credit Service of a XXXX XXXX  owed of {$1000.00}. According to this report it was open 2 months ago XX/XX/23 I have not used or ever had 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my XXXX XXXX from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.

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 2023-08-03
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:
acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 

Never missed a payments : XXXX XXXX date XXXX XXXX, fraudulent account : XXXX - XXXX date XXXX XXXX Past due amount and payment : date XXXX XXXXXXXX XXXX XXXX Fraudulent account : XXXX XXXX date open : XX/XX/XXXX  Fraudulent account : XXXX XXXX XXXXXXXX date 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 2022-06-21
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 is missing that should be on the report

Complaint:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was purchased from XXXX by Selene Finance in XXXX 2022. Since then my statement numbers keep changing by unusual amounts. Now that I'm selling, I called to straighten out the final payout numbers and have been given the runaround. First, I was promised a call back on XXXX at XXXX by XXXX XXXX ( sp ) to get to the bottom of things. Never happened. Spoke to someone else after who said that her supervisor was contacting Mr. XXXX to then get a hold of me. Never happened. Then on XXXX I was on a conference call with the Title company and XXXX  at Selene to get the final payout etc finished. After a 45 min call which was mostly being on hold and hearing a racially upsetting comment, nothing was resolved other than XXXX  saying that someone would look into it. I was then passed to her supervisor, XXXX XXXX, who proceeded to then speak down to me and then speak over me, intentionally not giving me a chance to speak. Finally after several minutes of this, my frustration, unfortunately, got the better of me and I swore and then he hung up. 

I find it strange that numbers don't add up, they won't explain it, and that once I called them out on this ... my loan was sold to another company. Games and dirty business.

Company response to consumer: Closed with explanation