BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: AL
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 submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, Experian and XXXX. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX  {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, XXXX and Experian. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: MO
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:
My name and information were used fraudulently with Comenity Bank the account was opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

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 2022-07-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday XX/XX/XXXX at XXXX, I was notified that I had a transaction of {$120.00} at XXXX. I was worried because I did not make any transaction that big recently. I tried to send in a dispute that night but it told me " please wait 3 days due to this being a pending transaction ''. 

So I waited 3 days and contacted chime support by phone. I had proof of an XXXX support chat saying that this transaction was made with another XXXX account and not mine. 
I was told during the call if I had any attachments such as proof, to add it to the dispute in the app. After the call was done I had received an email saying the dispute was created but there was no option on the dispute in the app to add attachments. About less than an hour later the dispute was declined. 

I had spent all night looking, trying to see how this transaction was made so I could get some proof at least to add to the dispute. I surprisingly found that I had another XXXX account but I could not log into it because it contained my old phone number which I do not have anymore. The person who purchased {$120.00} worth obtained the phone number and basically had free access to the account with the debit card linked to it. 
I logged into the email that was linked to the XXXX and saw the purchase confirmations to an address in XXXX which is not where I live. 

I screenshotted evidence such as the order, them obtaining access to my account/resetting my password and XXXX support saying that I should dispute this right away. Contacted support again, reopened the dispute and sent the attachments to their support email to attach to the dispute. 
Less than an hour later, denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed dispute i regards to incorrect information on my credit report. It has been well over 3o days and I haven't received any investigation results. Sent a 2nd request, please remove.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to access the experian website despite having a PIN in my files that is still accurate, a SSN and DOB that are correct, and having called and tried all online solutions. Their website is useless and their phone system is 100 % automated and just points to their website. It is impossible to resolve this as a consumer, and experian only staffs their business customer support team.

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 2015-08-22
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once upon a time I had a XXXX phone. My contract was up XXXX month prior to the phone ceasing to work. I paid my last bill ( for a phone that was n't working ) and XXXX continues to harass me, and claim I owe them money for a {$50.00} phone I have n't owned since 2009. I want this off my credit report and I want XXXX to know that I am not paying them another dime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: IL
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 discovered several fraudulent and inaccurate accounts on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a prepaid debit card in the mail from Square Inc. 
I never applied for or ordered this prepaid debit card account. 
I attempted to contact Square Inc. to inquire on how this account was opened under my name and they do not have a phone number where I can speak with a live person about my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce.

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 2022-07-14
Company: EQUIFAX, INC.
State: MD
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 submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
on XX/XX/XXXX my wallet was stolen and my chase debit and chase credit cards were used the same night it was stolen before i woke up. i recieved a txt alert from chase credit about the credit card being used and replied that it was not authorized. they also used my debit card with a chip for {$610.00}. that morning i reported it and chase replaced the funds into my acount. on XX/XX/XXXX chase took the {$610.00} dollars back out of my account reversing the claim. when i called chase about it they said there isnt enough evidence that i wasnt the one who used the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21
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 am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX Bank XXXX XXXX did not accept the application because they couldnt verify my identity. Bank XXXX XXXX also denied the application and called me to verify if it was identity theft or not. Citizens one bank however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all XXXX of my credit bureaus and report to the FTC about my identity theft. I opened a claim with citizens one bank, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, citizens one bank denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my consumer credit report I discovered several fraudulent and 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 explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-14
Company: Oklahoma Student Loan Authority
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had XXXX 90 day late payments reported on my credit report which has severely hurt my credit score preventing me to be in a position to get credit cards, loans, etc. It has put my score under 660 and still struggling to bring it up because of these XXXX late payments. Those payments were for a student loan from OSLA that I was not aware I had to pay as I had no way to access my account. They didn't contact me about my late payments, and if they did they just said I had a message pending. I would have trouble accessing my accounts. I would keep getting locked out. I tried everything in terms of resetting passwords, and answering questions but was able to get access to my account. I tried calling their support in an attempt to fix my account, only to be left on hold for hours, and being transferred and have the line hang up. I use my phone for work so this also slowed down my work. The entire process was not easy at all which is why it took so long to finally reach them. Once I got to my account I realized that XXXX of the loans had started and I didn't have any clue or have auto-pay setup. They were leaving me to have appeared as I missed XXXX 90 day late payments when I was not aware of the whole situation. This has been very difficult to try to get credit, or secure loans for anything XXXX needed.. ( houses, cars, assets )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand under the Fair Credit Reporting Act all information should be correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ).  They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. 

This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. 

I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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 fraud alerts or security freezes

Complaint:
I tried onlineXX/XX/2019to temporarily lift my Security Freeze using all my personal information and Experian PIN. It said they are unable to process my request and I have to mail the request with identification to Experian. I then called on XX/XX/19 and got in an automated system to lift the Security Freeze. Again, after entering all my info and PIN, I was told to mail the request. 
Experian gives no method to speak to a representative to verify my identity and requesting that I MAIL sensitive, confidential identity information is not only ridiculous, it exposes me to identity theft.

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