BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Bread Financial Holdings, 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:
Comenity bank, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. Community  Bank Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Nelnet, Inc.
State: VA
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:
I had one account with great lakes loan which was in great stands by the way since XXXX. I received and alert XXXX, XXXX XXXX and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education Nelnet who is a debt collector. They told me greatlakes gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. Great lakes said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. Nelnet report 9 account of student loans account to my credit report that all have the same account number. Nelnet reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC USDOE/XXXX- XXXX {$0.00} paid % in full DEPTEDNELNET XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy 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 2022-02-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Chase Preferred Visa credit card bill for XX/XX/XXXX was {$210.00}. I paid {$210.00} on time. I was assessed an interest charge of {$9.00} on my XX/XX/XXXX bill. On my bill of {$1000.00}, I paid {$1000.00} on time. My XX/XX/XXXX bill of {$120.00} included an interest charge of {$9.00}. 
I have been charged {$18.00} for two months of interest on {$0.00}.

Chase waived the charges but could not tell me how they came up with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX was deleted but reinserted into my credit files with experian and XXXX   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days

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 2022-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the Emergency service that Wakefield and Associates is claiming contacted them to collect debt. The billing department said that my account was paid in full and they never sent anything to collections. 

XX/XX/XXXX is the date I went to the ER. 
XX/XX/XXXX was when the collection opened. 


I was never contacted by the emergency services billing department to pay because my account with them was already settled. I am not paying money that I do not owe, and I want this taken off my credit report and i want my credit fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on XXXX. 

XXXX XXXX XXXX  accounts experian and XXXX refuse to investigate. XXXX keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. 

experian keeps illegally re-aging a XXXX account? it's closed and they are reporting the date last active as current. that is not possible. it's illegally re-aged.

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 2017-06-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I spoke to the representative, they informed me that I had a bill from  XXXX  that I had owed. I asked them for a copy of the contract and they sent me nothing but a bill but no verification. The representative was extremely rude and term " entitled veteran '' when I was letting them know that because of my  XXXX  I can not continue the call and will disconnect.

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 2017-09-09
Company: EQUIFAX, INC.
State: FL
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 or about XXXX XXXX, my information was improperly used to attempt to open a line of credit with XXXX XXXX XXXX. I had made no application with them and I contacted them to notify them that this was fraud. 

I was advised to place fraud alerts onto the 3 major credit reporting agencies. Equifax, XXXX XXXX XXXX. When I contacted each of them to place this alert, only Equifax then redirected me to sales to attempt to sell me credit protection services for over $ XXXX. I wo n't even go into how tone deaf the person was and their attempt to trick me via standard telemarketing tactics. I will say it does n't surprise me that at all that they would resort to the same slimy tactics as fake vacation voucher reps. 

I then placed freezes on all 3 reporting agencies. For the privilege of not having my identity stolen through a service they provide without my consent, I was charged {$10.00} by each of them and will be charged more to have it removed. 

Fast forward to yesterday XXXX/XXXX/XXXX when Equifax announces they had a major data breach in XXXX. I am very careful with my information and find it more than a little likely that chain of events went a little something like this. 

Equifax provides negligent stewardship of high value personal information for millions of people. Hackers steal it. Equifax then tries to sell me the privilege of having them protect me from the situation they themselves caused. When I want to tell them to not provide this information without my advanced consent, Equifax charges me {$10.00} to freeze it and I can pay to have it unfrozen later if I need it. Then to make sure no one has used my identity for any other fraudulent activity, I can either wait 6 weeks for them to send me a report or I can pay them more money. 

Equifax should not be permitted to sell services that protects from their own negligence and the extremely poor security around the core consumer credit market. Identity theft is trivial because the brunt of the damage and liability is not borne by the companies whose duty it is to protect. 

Legislation should be introduced that requires real security on credit portfolios and proper identification of the borrower before credit lines can be opened. The credit card companies finally figured out that they have to do something about the fraud because they were on the hook for it. It 's time for the credit reporting companies to feel the same pain or this will never end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXXXXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  month XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  day 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 2022-02-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX  Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM 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
Consumer complaint received 2021-08-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has directly violated Title 15 U.S.C. 1666d in the treatment of an account with a credit balance. This company has also neglected prior violations against the consumer as well as openly stating nonpayment of the alleged debt would result in the seizure of my property directly violating Title 15 U.S.C. 1692e ( 4 ). The company never validated the alleged debt under Title 15 U.S.C. 1692g. In addition the company is still in violation of all the laws sited on the invoice that was sent to them along with an affidavit of truth that was not rebutted point by point as required and stipulated in the communication. The contact through a indirect medium has yet to cease as ordered to do so via the previously sent cease and desist order now showing willful noncompliance with federal law. 

In response to notice received XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: RI
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 was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX  XXXX  Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-07-11
Company: EQUIFAX, 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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I sent CFPB Complaint # XXXX. It stated For XXXX years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/XXXX for review. XXXX Problems with Experians reply. XXXX ) I have yet to receive a copy of the permissible permission. XXXX ) I have yet to receive summary of any updates from data furnisher. XXXX ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint. I request Experian send me copy of permissible permission they received from XXXX XXXX XXXX XXXX for the XXXX loan that is on my credit report. If Experian refuses to do this, I ask for explanations. No more passing the buck. Experian replied today : At your request to conduct a re investigation for the account, we contacted the data furnisher ( XXXX ) and asked them to verify the accuracy of the information with which you disagree. They responded and it remains on your report as-is. The result summary was sent to you on XX/XX/XXXX for review.?????????????????????? I requested copy of the permissible permission. WHERE IS THE COPY OF PERMISSIBLE PERMISSION I REQUESTED YEARS AGO??? Experian just merely passed the buck again and XXXX continues to deny and refuse to send copy of the permissible pemission because it doesn't exist.

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