BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My name is XXXX XXXX my account numbers ends in XXXX, my XXXX is XX/XX/XXXX. I have been heavily impacted by XXXX!!!! I continue to suffer from serious health issues from XXXX. This account and its servicing has been the worst!!! You claim you sent me a notice in XXXX regarding a fraud charge ; I did not response ( BECAUSE I NEVER RECEIVED ANY NOTICE!!! ) I tried logging in to my account on XX/XX/XXXX to make a payment. I could not log in as it said my account was CLOSED!!! There was NO way for me to make a payment!!!! I received nothing in my email or mail informing me on how to make a payment!!!! I then called in and could not get ahold of anyone!!!! Your automated system would not route me anywhere!!!! So I tried going back into my account to get a number to call and it let me log in!!! What is going on?!!!!! Your phone system does not allow me to talk to a rep!!! I have been heavily impacted by XXXX and CAN NOT AFFORD {$300.00} I HAVE DONE MY BEST AND I JUST CAN NOT DO IT ANYMORE. I need assistance. My account is said to be closed and I can not get anyone to speak with me! I am getting charged late fees and interest because of their madness. I need a reasonable settlement offer with a payment I can offered to settle the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: Integrity Solution Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had problems making payments to the student loan company, XXXX XXXX, for a couple of months now! I have used all of my forbearance and now my loan is in a default! I also tried doing a lower payment plan and I am just still having a hard time due to being a stay at home mom and my husband is the only one with the income! My family is my top priority and we have to make sure we have things we need and especially my son! Anyways, I had talked to corporate from XXXX XXXX recently and she lies to me by getting my mother involved saying that she had spoke to her and that she was going to call all these companies to try and help me and that she has faith in my mother that she is able to help me and if I made this payment then it would by her some time to help me ( still talking about my mother ) so of course I fell into the trap and made a payment on my credit card because I had no money and when I talked to my mother she said that is not true, I said nothing of that!! So this woman lied to me to get some money from me!! You dont bring someones family member into the issue! Thats very wrong! I also had another incident where the woman on the other line of XXXX XXXX got a attitude with me because I couldnt make a payment and she tells me then what was the point of calling if you cant make this payment?! They also added XXXX of interest to my loan because of my forbearance! Thats absolutely crazy! You can never get it paid off!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did a dispute two weeks ago as well as last week regarding creditor XXXX XXXX advising that the status was showing to be under the incorrect status of ''Open '' and not closed. I received the update to my credit report on XXXX/XXXX/16, but since then the credit reporting agency has placed this account back on my credit report as of XXXX/XXXX/16 & XXXX/XXXX/16 as open. This account should reflect in the paid status as before listed on the attachment stating ''Equifax report XXXX on XXXX/XXXX/16. This has caused several plummets to my credit-score due to this account looks like the account is still open and active I have attached the credit report for XXXX/XXXX/16 showing the now ''incorrect status '' and the XXXX/XXXX/16 report showing what the report was and should be for this creditor and appearing incorrectly now. I have also attached a phone conversation between myself and equifax management advising me on XXXX/XXXX/16 that this matter had been completed but it has not been completed and report is showing updated with the same information as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed a XXXX credit card that I had opened in XX/XX/XXXX. I had no history of account problems, paid on time each month, and have a {$0.00} balance. XXXX reported the account closed, paid in full, {$0.00} balance, and paid satisfactorily, however it was shown that the account was closed at the credit grantor 's request. I contacted XXXX multiple times and they told me they had submitted a correction to Equifax multiple times to have the status corrected. This was beginning in XX/XX/XXXX. It has not been corrected by Equifax and is still listed as " closed at the credit grantor 's request. '' Despite my and XXXX 's attempts to correct this, Equifax still continues to fail to correct the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX private loan with XXXX # XXXX accounts on my Equifax credit report that were written off and charged off and the statue of Limitation are coming up for these loans and I have requested for them to be removed however no action has been taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX and tried to get all XXXX of my reports with Equifax , XXXX and XXXX and could not access them. I need all XXXX of these reports ASAP.. There is no number to call to reach a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by 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 2021-02-24
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021 I sent off 3 letters to Equifax, XXXX  and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-06-18
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to mark my legitimate credit disputes as frivolous. I'm starting to interpret that as willful non-compliance in their continued reporting of a negative information that does not belong to me to me. See attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to place a temporary credit lift on my frozen credit file online with Equifax.com. I am attaching a screen shot indicating that my credit file can not be referenced on equifax.com. I am also unable to place a temporary credit lift using the Equifax automated phone system. I have tried to contact the Equifax customer service and web support help desk without any luck. I am effectively being forced to call-in on the phone in order to temporarily life my frozen credit file. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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:
XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX  STILL reports in over days past due. Experian reports that I have utilized 990 % of my available credit. I have been denied an XXXX  for my XXXX  XXXX  thanks to this fiasco.

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 2020-06-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARS ( account resolution services ) did not verify what they are stating that I owe all it says is you owe this much to us for services at a company. They would tell me nothing more then that. The refuse to tell me what services I had or how much these services I supposedly had were. No one can tell me why I owe that much or what I owe that much for. But they keep sending me letters that it is valid and I do owe them. They refused to remove it several times. Furthermore they only sent me letters saying it was valid debt after 30+ days from receiving my validation letter. So they should have removed it on this alone. I cant work with them and they give me no information other then paying them they dont offer any information or solutions

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 2022-07-25
Company: Self Financial Inc.
State: NY
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:
My car was broken into and my pocketbook that had my id credit card ss number and few other item was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Hello, There were XXXX credit card accounts that I recently opened in the last few months which are reporting to the other XXXX credit bureaus but not to Equifax. I 've reached out to XXXX creditors to confirm that my new account information was sent and also received notification that they were reporting monthly to Equifax but again the accounts are not showing as of today. I also reached out to Equifax on numerous occasions requesting an update or to see if their system was reflecting the new accounts and only to be told there is nothing showing yet. I talked to someone in their Executive Customer Escalations Unit to request a full review of my file to see what is preventing the accounts from showing. However, Equifax is responding that the creditors should contact their Business Relations Customer Service unit which is not possible since they are sending statement information and monthly account updates. This is hindering my credit worthiness and preventing credit decisions since majority of merchants use Equifax in my area. 

The accounts that are reported to Equifax but they will not update on my profile are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: MN
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:
I was behind in payments with XXXX XXXX. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I applied to Paypal Mastercard backed by Synchrony bank. The application prompt said " application was not approved due to credit freeze '', though I have no freeze enforced and I received 2 hard inquiries from Synchrony bank on my XXXX and XXXX credit reports. I called Synchrony bank 's new account department and the agents weren't able to confirm these hard inquiries initiated by Synchrony bank.

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