BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: AL
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 received a notice from transition, XXXX, and Experian that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, XXXX, and Experian and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent the letter asking XXXX, TransUnion, and XXXX to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation.

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.C.S 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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:
This account does not belong to me and is fraud. I have included the identity theft report. You can also see this account was also removed from my XXXX and XXXX report as it was removed. Please delete it. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexus is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX XXXX  AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.

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 2022-10-18
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX : requested refund of payments made during COVID forbearance as permitted via CARES Act. Was told it is being processed. 
XX/XX/XXXX : Account balance still does not reflect this update/refund. Tried calling to get an update on my case number but have had troubles reaching someone on the phone. Experienced no call back after using the call back feature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX auto loan, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my 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 2023-02-25
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from Midland credit for the past couple of weeks and I will put the number into a scam call detector and it says its a scam, but even after I block the number they still reach out to me from a different number. So I called them back today and they gave me the wrong name when they addressed me. The man said his name was XXXX XXXX, but he would not give that to me until I asked him multiple times, and asked why I needed his name when I first asked. He said he thought my name was XXXX, which is incorrect and I believe this is a scam because I am young and I have never even opened a credit card account so I dont understand how I would have any debts when Ive barely even bought anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello, In XXXX of 2022 I made a payment over the phone aside from my Autopay monthly payment to Kay Jewelers/Comenity Bank to payoff a promotional balance. The Agent that I spoke with on that day was very kind, and she verified with me that the entire payment was going to the promotional balance and that it would be taken care of in that moment when we made it over the phone. It is reflected in my statement as {$250.00} which was the balance that was due for that would have incurred interest if not paid prior to the end of that month. This was in addition to my {$220.00} that was to be drafted in Autopay which I did not cancel or change. I want to clarify that paid the debt ahead time and have not missed or paid under minimums to be penalized by Kay/Comenity. I got married, moved, and now that I am settled and going over finances I realized that although I did my due diligence to pay ahead of time I am being penalized as if I had not. On Friday XX/XX/XXXX I confirmed with their customer service agent that when I paid over the phone in XXXX, I confirmed that I did not cancel my autopay, and for some reason Kay did not draft that second {$220.00} payment for that month. She confirmed that Kay made an error, and that as of XXXX my promotional rate on my other balance was taken away and have been paying 29.99 %. She confirmed that this should have never happened, but she told me there was nothing she could do other than to forward it to an investigation and that there was near to no possibility of getting this reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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 an account without my written instructions. See attached documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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:
Great Lakes ' transfer of student loans to Nelnet is resulting in borrowers ' credit scores to be negatively impacted, including my own. I received a credit alert from XXXX this afternoon stating my credit score dropped after the original Great Lakes loan went from its full balance down to {$0.00}. I anticipate the other two major bureaus to report similarly and also result in score drops. In addition, based on the way loans are handled on credit reports, I anticipate additional damage due to the new Nelnet loan being added. The executive director of the XXXX  stated the Department of Education provided guidance to servicers on how to handle loans to prevent any negative impact to credit reports. This guidance was to only change the name of the servicer. This obviously is not how this was handled. In addition, multiple borrowers have posted online about similar experiences with these changes costing anywhere from 50 to 100 point drops in credit scores. As someone attempting to purchase a home in an already difficult interest rate environment, this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 following account is being reported inaccurately on my credit report by Trans Union. 

XXXXXXXX XXXX XXXXXXXX # XXXX I demand that this account is corrected or removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: MOHELA
State: NJ
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:
Per Mohela this complaint should go to the U.S. Department of Education. As the loan servicer Mohela I have already applied for borrowers defense and my application has not been reviewed. Mohela is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/Mohela through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: OK
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:
The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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