BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Wayfair XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account as of XX/XX/XXXX Company named above claims I have a unpaid balance charge off. Allegedly claiming that I owe {$900.00}. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$900.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Wayfair must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

8. FURTHERMORE, XXXX   has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, Wafair, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of cancellation from XXXX XXXX for my homeowners insurance indicating my policy was going to be cancelled XX/XX/2019 for non-payment of premium in the amount of {$1100.00}. I contacted HSBC Bank on XX/XX/2019 at XXXX XXXX, they told me they could not tell if the check was cashed and that I would have to wait until XX/XX/2019. They indicated I had to talk with XXXX XXXX. I phoned XXXX XXXX on XX/XX/2019 at XXXX XXXX. XXXX XXXX asked me to get the check number from HSBC, When I contacted HSBC bank the next day at XXXX, they gave me the check number. They told me they could do nothing more for me. I contacted XXXX XXXX at XXXX, they indicated they never received a check and that I had to contact HSBC to resolve the issue. On XX/XX/2019 I received a letter from XXXX XXXX that they cancelled my homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
Went to finance a new car and ended up with XXXX hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: NC
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:
On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies . Experian, XXXX, and 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 2016-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Back in XXXX, 2016, I received my XXXX XXXX credit card statement with an annual fee of {$190.00}. Since i was n't using my card much I decided to close my account and paid the last bill for {$5.00} and the company agreed to credit me back the {$190.00} and they closed my account. In XXXX, 2016 I received a letter from a collection agency stating that I owe {$260.00} on my XXXX card ( {$190.00} in annual fee, {$27.00} late fee plus financial charges ). I have never used my credit card since I closed and I knew it was paid in full. I explained to the collection agency my story in writing and they agreed to close my case with {$00.00} balance. two weeks later I received my statement from XXXX showing a {$0.00} balance but my credit report is showing 30, 60 & 90 days late on my XXXX credit card and that 's hurting my credit rating due to this incorrect info that XXXX provided to the reporting agencies and that 's unfair.

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 2015-10-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter on XXXX to this date on XXXX I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.

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 2016-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
It 's been several months since I contacted all XXXX credit reporting agencies. I made disputes on a credit card that was used when I was in Training for the XXXX XXXX. I sent them several copies to prove my identity, a copy of ID and SS # with a copy of letter showing my name and mailing address. There was a credit card maxed out when I was training, the card is from XXXX XXXX. I also sent a Police Report showing that it was reported and the XXXX XXXX credit card covered the charges. This several delinquincies are still affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with Experian Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Experian could not conduct a fair and impartial investigation of my dispute. I was told by Experian more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Experian rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Experian and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection of the loan I was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.

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 2016-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EXPERIAN IS REPORTING XXXX BKS ON MY REPORT 1 ) NOT MINE # XXXX 2 ) DISMISSED BK # XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

XXXX requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to XXXX. I will NOT accept another reinvestigation of the account, ONLY deletion.

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 2015-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Many agencies that pull my criminal background are not receiving the correction information on my record. I have found this since I was release from the XXXX XXXX in 2009 from XXXX XXXX. I have experienced the inaccurate reporting from many employers, rental properties, and financial services. I am currently working on stabilizing myself with a job, shelter, and food. I found that they report that I have felony charges and convictions. I only ask that the agencies receive the right information to further the chances of change for revitalization in society.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The credit reporting agency is utilizing a third party furnisher of information to verify the Discharged Chapter XXXX Bankruptcy. They just admitted by the response that they are in direct violation of the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' We request the following : XXXX The name of the courthouse ; XXXX the person 's name they verified the dispute with ; XXXX the address XXXX the telephone number ; and XXXX XXXX XXXX the documentation used to verify the dispute. 
Credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The XXXX Court IS the furnisher of information, not a third party source as used here. We are ready to file a lawsuit against Experian if they do not comply with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

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 2016-12-31
Company: Global Payments Check Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This information was shared illegally ( third party ) without my informed and expressed consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I pulled my credit reports and saw an account for XXXX XXXX XXXX  for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated. I contacted Experian and was told they couldnt verify my SSN on file. My SSN is 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 2016-12-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote Experian by certified mail on XX/XX/XXXX for at least the XXXX time, regarding the erroneously reporting of an item from XXXX XXXX Bank XXXX Acct. # XXXX ). I have made NUMEROUS attempts to resolve this issue with Experian but to no avail. In my letter I sent them all the documentation that I have from XXXX XXXX 's credit protection program showing where this bill was paid by XXXX credit protection in XX/XX/XXXX. I purchased the protection from XXXX XXXX which covered payment of the account balance due to my becoming XXXX which occurred during my protection plan period. Today, I received a letter ( XX/XX/XXXX ) stating that the information had been " updated ''. I obtained a current copy of my credit report from Experian that shows no changes were made. This information is incorrect and damaging my ability to obtain credit. I do n't know what else to do but to turn to the FTC for help. Please help me in getting this erroneous information removed from my credit report. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation