BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed a previous complaint back in XXXX, XXXX agreed to process a refund from merchandise that was returned in the amount of {$210.00} and refund of interest in the amount of {$23.00}. 
Company stated my account was credited a total of {$230.00}. So far I only see a refund of the interest charges of {$23.00} on XXXX. I have not seen a refund of the returned merchandise post as of yet, XX/XX/12. 
I am now owed another month of interest on the {$210.00} since it has not been credited to my account. 

Also I would like a breakdown of how the interest rate refund was determined. In the last 8mths since I havent received a refund of the {$210.00} the interest has fluctuated between 27 % & 30 %, at minimum the interest returned should be about {$40.00} since the mthly accrued interest was between {$4.00} - {$5.00} for 8 months. We are now headed into the 9mth without resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

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 2023-04-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I noticed 2 accounts on my report that do not belong to me

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 2022-12-19
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This accounts was opened and used not by me but they are expected that they are suing me for the amount and i have try many times to dispute this account and ask for all the charges they have refused on multiple occasions and they are trying to put a judgment on me. They cant even produce my signature on the agreement that they say is mine I have asked them to validate all they can send me is the top page of the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-08-24
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: AZ
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 BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 sent multiple letters regarding inaccurate and fraudulent accounts being furnished on my report and they still have not been removed. I've sent in identity theft reports and my rights still are NOT being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called every day for Months several times daily. From different numbers. While am at work and even at night. 
Called 6 times in a row on day. 

XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-04-12
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. 
XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest.

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 2019-01-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My variable rate loan increased witched I expected it to do. However, I tried to contact XXXX XXXX to see if it could be adjusted since I have my home on the market for sale. I've called several times including (XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX) and have not been able to speak with the correct department yet. During this time, I went to the NC Banking Commission website and found they are not licensed in NC. Also, I did some research and found the web site below. I will probably not have to deal with them too much longer, but the other consumers should know about this horrible company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute when I was charged twice and services weren't received. One charge was resolved and the other is outstanding. Capital One said to contact the vendor that the dispute had been closed. I contacted the vendor and they said they never received money and I needed to contact Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My previous loan servicing company Ditech had my loan ( XXXX ) and they were receiving the payments automatically by XXXX XXXX ( biweekly mortgage program ). Ditech sold the loan to XXXX in XX/XX/2018. Ditech then forwarded the XXXX payment to XXXX But on XXXX they kept thenpayment and did not forward the payment. XXXX has confirmed that they received XXXX payment but NOT XXXX. Ditech refuses to assist my husband and I. Due to this issue we were not able to refinance our FHA loan to a VA loan like we were hoping to do so since my husband is a XXXX veteran who is not getting any better per Veterans affairs. So to help our family I started the process to refinance and all this has come to light. Both companies are pointing fingers at each other now {$1900.00} has gone missing because they took the money from our account. Ditech claims they received it but forwarded it to XXXX XXXX and XXXX has confirmed they never received it. Ditech will not provide any proof that they sent it and hung up on my husband and I today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Consumer Reporting Agency : Experian is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX XXXXXXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of Experian has caused me damages to my character, capacity and reputation.

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 2021-10-26
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover Credit Services has submitted a legal tax document to the Federal Government that states a debt they allege I owe, was " Cancelled. '' In spite of this notification to IRS, Discover continued to try and collect this debt from me. Every month Discover Credit Services notifies all three of the Credit Agencies that I am at 98 % of my credit limit. Incorrectly reporting this status, while telling a Federal Agency that they cancelled the debt. This is a violation of Federal Statute. I have enclosed the Statement that Discover sent to The Department of the Treasury, Internal Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
XXXX account ending in XXXX is reporting to my Equifax credit file inaccurately. The account is reporting activity in the payment history after the account was closed. The account is closed therefore there should be no payment history after that. I want the account deleted due to inaccuracies, violating my rights as a consumer. I submitted complaint XXXX on XX/XX/22 pointing out the violation but yet Equifax stated verified in the company response and continued to allow XXXX  to report the inaccuracy. Im providing proof from my credit report of the active violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-13
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting an apartment thru XXXX and they are adding charges I don't owe. For extra maintenance fees and damage fees when there was no damage when I left the apartment and at time of eviction it wasn't the amount they're fraudulently trying to get from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''

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