BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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: Personal information incorrect

Complaint:
EXPERIAN login system is very bad, I am putting correct email and password and still it says wrong credentials. When I try to click forgot password to get access I put my username. Click submit. It says : " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' When I click " Forgot Username '' it sends me same username to my email and the circle continues. I tried again to login and follow the same procedure as I am writing this complaint - XXXXXXXX XXXX_ish. The customer service phone number : XXXX is not connecting me to agent. I am stuck. 
Exceptionally, I am able to login only when I click create account ( sign up ) on experian portal - but ideally it is not the right way to login. Upon logging in today, I came to know 1 past address and phone number in experian credit report is wrong. 

>>> In Experian Credit Report : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX WRONG PHONE NUMBER : XXXX. 
WRONG HARD INQUIRY : XXXX XXXX XXXX XX/XX/2023 ( Taken Care ) Just FYI : XXXX In XXXX Credit Report : WRONG HARD INQUIRY : XXXX XXXX - XX/XX/2023 ( Still taking care )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}

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 2023-01-31
Company: Byrider Franchising, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My ex-wife left me and her XXXX daughters in a car With the XXXX XXXX from JD Byrider I could not report it stolen since she was on the title/loan itself, I have already paid XXXX to XXXX XXXX For a previous loan Since she has left the kids and I She has gotten XXXX XXXXXXXX cars repossessed from XXXX XXXX to JD by rider to another one, not sure of the name, but other buy here pay here, lots. 
I will pay my portion with no problem, but it should definitely not fall on just the one person with the job. Because she is the one that took off with the vehicle. And I called XXXX XXXX XXXX, and reported that I would like to cancel the insurance so I can show proof that. 

Thank you To whom ever it may concern. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus XXXX and Equifax about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NC
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  Balance : {$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 2022-06-22
Company: Experian Information Solutions Inc.
State: OH
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 conducted a consumer credit transaction with XXXX XXXX XXXX XXXX which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a experian account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through experian but I got no results at this point I would like to sue for the fines of all the violations committed

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 2022-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, In XX/XX/XXXX, I missed my first mortgage payment. However, before missing the mortgage payment I had contacted SPS ( the loan servicer ) on XX/XX/XXXX, at XXXX, and advised them, that I would not be able to make this months payment since, my work hours were drastically reduced, and overtime income was nearly eliminated, in XX/XX/XXXX, at the onset of the Covid pandemic. 
Before the pandemic, I had received consistent overtime for several years. But my income was nearly split in half. The representative said, the plan was approved and that she would send me a confirmation letter. I received the confirmation/Forbearance Plan letter on XX/XX/XXXX. 
Once my hours increased ( back to normal ), in XX/XX/XXXX, I resumed making the full mortgage payment. I have not been more than 30 days late on my mortgage payment since then. 
I am asking for SPS to please defer my mortgage payment and finalize any loan modification or deferral plan. I am diligently working to provide SPS with the financial documents, BUT every single time, they're saying they did NOT receive the documents I provided. They say there is an assigned relationship manager, but I never get to speak to him. it is always someone different, and they also give me different responses. I am frustrated and scared that this situation will not be resolved. Please help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are still showing that they are open with a balance and missed payment history. See attached 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 non-monetary relief
Consumer complaint received 2022-04-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus Transunion and XXXX about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.

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 2022-11-25
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-02
Company: Novad Management Consulting LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have had a reverse mortgage for about eight years. On XX/XX/XXXX, I received a Repayment Letter about my home from Novad/HUD. It appears that there is an ERROR. After reading it many times, they are trying to repossess my home. They included a phone number to XXXX for ask questions. I have called this number 5 times sitting on hold anywhere from three hours to one hour, XX/XX/XXXX, XXXX and XXXX, XXXXThe people there have no information to help even with the case number. It appears to be a huge answering service that just sends messages to Novad agents and they have 5 days to respond. The letter says to send them {$180000.00} total due and payable. HUD had no reasons they could give me as to why. I gathered records to show that I have paid the insurance annually and the taxes just like always. The house is kept up nicely and these are the only reasons to terminate my reverse mortgage. I am to live in my house until my death with no house payments. Although I did spend two nights in the hospital over this stress, I am very much alive. Can someone please help me? No one has returned my calls,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is formally made against Bank of America ( " B of A '' ). They have committed XXXX violations, made promises they were not kept, and have not followed the Loss Mitigation waterfalls as mandated by the CFPB. Here are the facts. I previously filed a CFPB complaint and I am filing this complaint because I fear that B of A is trying to take my home away. B of A offered a balloon loan at the end of my forbearance in XX/XX/2021. I did not want a balloon loan and then they offered a 40 year flex loan. I also did not want that 40 year modification and they informed me that if I filled out an application then I will have other options available to me. I completed the application after several months of back and forth with B of A. They then offered me the same 40 year flex mod again and no other choices. Why did they make me complete a full application if it will only result in the same option? All I want what was originally offered to me back in XXXX which is to add the forbearance payments to the end of the loan without extending the maturity date. I have been making my monthly mortgage payments on time and I do not want to lose my home. I called today and spoke to XXXX and she told me that there are no other options. I then asked to speak to the manager where I was then informed my application was pending. I do not trust B of A. Please help me save my home.

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 2023-06-14
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Chime XXXX  bank unjustifyingly closed my debit checkin savings and secured credit builder chime card accounts on Tuesday XX/XX/2023 without refunding their promotional referral rewards bonuses to me and or my accounts. 
Both them and I have been tirelessly advertising and promoting their service sporadically over the last twenty years or so now and I have not been credited and or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 conducted a consumer credit transaction with XXXX XXXX XXXX XXXX which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a experian account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed

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 2019-02-16
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:
I have disputed three accounts with Equifax provided them all documentation and they have yet to remove these fraudulent accounts from my credit file. I am listing the three accounts below that I have disputed. 
XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX   {$47000.00} XXXX XXXX XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 non-monetary relief
Consumer complaint received 2022-10-27
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX  is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.

Company response to consumer: Closed with explanation