BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX app or website for current account balance and to make debit payments from my XXXXXXXX XXXX  account as payment to XXXX XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

Company response to consumer: In progress
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the XXXX police and XXXX I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5800.00}

Company response to consumer: In progress
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a JC Penney credit card in XX/XX/2023 and verified my current address and information on the pin pad while in the store and after a couple weeks I wondered why I never received it. When I called to make a payment on XXXX XXXX because I could not make a payment online due to not having my new card, I inquired as to what address my new credit card went to because I had not received it. I was told the address it went to was not the address that I had given them. It concerns me greatly because I had my social security number stolen and someone tried to open a bank account in my name at XXXX XXXX  XXXX recently. The agent at JC Penney did cancel the card that went to the wrong address, however I did address my concern on this matter but she didnt seem to be bothered by my concern which is also very concerning to me. I told her that I am going to make a complaint regarding this matter to CFPB.

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had filed a dispute back in XXXX  that was not filed on there part. I recently filed it again and was denied. I also filed a complain for bank of America not filing the first dispute. I have sent them the police report and still was denied.

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 2017-11-29
Company: S&N Debt Solutions, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I began work with S & N Debt Solutions to work on settling three credit card accounts that I was not financially able to clear on my own. Two with XXXX were settled successfully. The last account was negotiated with XXXX XXXX from an original balance of {$6000.00} to a settlement of {$3000.00} with payments to begin in XXXX of XXXX and to end in XXXX of XXXX. Payments were directly debited from my checking account each month. Payments were successfully debited from my account each month with the exception of XXXX XXXX. My account did not have sufficient funds for that payment, and the payment was never recouped by S & N. I received a letter from XXXX XXXX dated XXXX XXXX, XXXX that my account had been sold to a collection agency, XXXX XXXX XXXX. Upon receiving the letter, I contacted both XXXX XXXX and S & N on XXXX XXXX, XXXX. I was told by XXXX XXXX that the settlement offer was canceled after three returned payments, in XXXX of XXXX, XXXX and XXXX of XXXX. The agent told me that the notation on the payments was " not authorized '' which indicated the payments were likely canceled by the third party debt agency since it would otherwise show " insufficient funds. '' After calling S & N, I was initially told that the settlement offer with XXXX XXXX was canceled after a returned payment from XXXX and that notes indicated a negotiator was attempting to re-work the offer. Upon being transferred to a supervisor, I was told that XXXX XXXX had actually cancelled the offer after the missed XXXX payment which I acknowledge was missed. However, that is contradictory to what XXXX XXXX tells me, and I was never notified by S & N about the settlement being canceled so I could attempt to remedy the situation. Acccording to my balance history in the account set up for settlement payments, my balance was {$210.00} at the time the XXXX XXXX payment of {$10.00} was made to XXXX XXXX. In addition, the balance on XXXX XXXX, XXXX was {$240.00}, but a payment was not made to XXXX XXXX. S & N refused to send me documentation of contact attempts made to XXXX XXXX on my behalf to make that payment. While there was not a balance in the account to make the XXXX payment, I do not understand why the XXXX or the XXXX payment would have been rejected and/or not paid. I have paid {$660.00} in settlement fees and monthly fees to S & N on this account which has now been turned over to collection for {$5100.00}. I have already paid {$970.00} toward the settlement and would have only owed {$2000.00} if the payments had been made by S & N as expected. I am now faced with a 7 year blemish on my credit file along with a balance that is over {$3000.00} more than I would have paid otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: MA
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 sent a letter to Equifax information Services on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get Equifax information Services to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report a XXXX XXXX XXXX account is being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave Equifax information Services any written consent to report the XXXX XXXX XXXX  account on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) Equifax information Services allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me harm and is XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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 reporting inquiries. 

List inquiries XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXXXXXX Experian 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 an account without my written instruction.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$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 2022-09-22
Company: EQUIFAX, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$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 2022-06-08
Company: EQUIFAX, INC.
State: CA
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 noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX  account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX  complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: GA
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:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SCA Collections, 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:
The original creditor : XXXX XXXX XXXX shows the debt was opened on 2 different dates, XXXX on XX/XX/XXXX and also XXXX and XXXX on XX/XX/XXXX, amount {$2500.00} and it was charged off. A company, SCA Collect, that I did not know of placed an charged off account on my credit report without my consent or knowledge. They reported it on XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. That is a deformation of character. I am trying to purchase a newer car for transportation for work.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX Credit Bureaus would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: PLANET HOME LENDING, LLC
State: UT
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:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage company changed from XXXX to NewRez ( NMLS # XXXX ) in XX/XX/XXXX. On their website it states that it takes 60 days for them to report updates to the credit reporting agencies. It has been almost 1 year and they have not reported anything to the credit reporting agency and my credit reports show a mortgage balance of 0 and that my last mortgage company is XXXX. 

I have called them 3 times, sent them two emails and sent them a letter. I also sent a letter to their parent company ( Shellpoint Mortgage Servicing ). They have yet to respond.

This is causing my credit score to be much lower than it should be. If i want to refinance a loan, I can't because of the low credit score.

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