BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXXXXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( XXXX ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this

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 2022-09-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am writing because last night around XXXX I got my usual deposit into my account. The amount deposited is in the screen shot I attached. I also still had around {$36.00} in my account. Bluebird has been down and the system is starting I'm {$510.00} negative due to there technical difficulties. However, I have to pay rent and if I dont get it in by tomorrow I may lose my place. I also can not use my card and I scared that something is really wrong. This is not fair to me being kept from my money and I am ending up with a bad situation due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: HW Holding, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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: 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: Account information incorrect

Complaint:
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.

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: EQUIFAX, 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: Account information incorrect

Complaint:
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron Equifax itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX  AND XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I transfer {$450.00} via XXXX ( ref. # XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX ( XXXX ) XXXX, XXXX passport number XXXX to buy flight tickets, after I paid her I wasnt able to contact her anymore. I contact my bank Wells Fargo and they said theres nothing they can do about it once I paid via XXXX and it can not be cancelled.

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 2022-08-24
Company: Experian Information Solutions 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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote 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 explanation
Consumer complaint received 2022-09-30
Company: OneMain Finance Corporation
State: DE
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 has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX XXXX  # XXXX -- -remove acct inaccurate reporting 2 ) one main  acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXXlate XXXX auto pay never been late please correct 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/XXXX. During this time we faced a tragedy. My husbands father was kidnapped and XXXX   XXXX  going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX  and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with XXXX  XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted New American funding in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. New American funding refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XX/XX/XXXX at XXXX XXXX  the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called Broker Solutions INC, well I looked them up and it just so happens that their DBA is New American Funding.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a notice from XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2018 stating they we're going to place a levy on my bank account if I didn't pay the amount owed. I called and paid in full the amount on XX/XX/2018. They assured me they would notify my bank of the release. On XX/XX/2018, they placed a levy on my account even though the full amount was paid 57 days earlier. No release was ever sent to my bank. I suffered declined transactions, and reversed transactions through my bank along with fees. This is unacceptable.

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 2018-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Upgrade, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and doing 3 checking transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. I was supposed to get a call back " in XXXX minutes '' on Friday after being told I did in fact qualify. Nobody called. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation