BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: TX
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX i made an additional payment of XXXX to my loan at speedy cash to bring down the balance to XXXX. I had problems to make that extra payment already. I had to go through multiple people to even get them to take the extra payment. After I got it they said i still had to pay XXXX dollars for 12 more weeks to Pay off the account. Explained thats not what was explained to me, that the interest payment on XXXX is no where near XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from THE HOME DEPOT - Citicard services telling me that they're reducing the limit on my credit card from {$5000.00} to {$500.00} because my balances on my other credit cards on my credit report are reporting to high. My credit balance for my HOME DEPOT CARD is at XXXX, was a XXXX and usually stays at XXXX. I hardly ever use the card and always pay it off quickly, so I don't understand why they would reduce my limit based on my history with them.. I've been a customer since 2016 and have never made not one late payment. I would like to for them increase my limit back up to {$5000.00} without me having to get another inquiry on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX and   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.

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 2023-05-20
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:
This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... XXXX, Equifax and XXXX XXXX ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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:
Not a duplicate : this is my 5th complaint on Experian regarding the reporting of XXXX preferred account. For years, I have written to XXXX using the PO. Box they list on my credit report - the mail has always been returned to sender. I tried for years calling the 877 number they list on my credit report and all I got was a non working tone. I then disputed with Experian the inaccuracy of non working contact info for the creditor. Every time I disputed, Experian did not fix the error but instead dismissed my request indicating the account had been updated and verified. To this day, the account still shows non working contact information. I finally called Experian and spoke with a lady named XXXX in the Internal Affairs unit - she stated it was not Experians job to update the contact information for the creditor and suggested I XXXX a working phone and addressXXXX XXXX  still has yet to provide all documentation in the form of an itemized statement, all correspondence and documentation for this account. Only, how can they when they send all my requests as return to sender. Experian has not done its FCRA requirement in investigating the issue. Instead, they told me to go out on a witch hunt to track down the creditor. According to Experian ( attached ), if I dont agree with the result of dispute, I can contact the creditor directly using the contact information listed on the report. I pointed out that the contact information for the creditor hasnt worked in years.

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 2023-05-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.

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 2023-01-16
Company: College Foundation, 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 have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all 11 of my XXXX  accounts and I was never late. 
Each bureau is also reporting multiple late payments for my 3 college foundation INC accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MS
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 paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 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 explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is denying my disputes. My card was stolen and used for over {$8000.00}. 

I tried to handle this with the bank with no help from their end.

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 2022-10-01
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For the last few months I pay my credit card bill, the payment processes, the money is removed from my account, then I get my statement. My statement shows that my payment was returned, then i get charged a return chk fee for {$41.00}, a late fee of up to {$41.00} and the money is not returned. I also pay by debit card normally, if there is no money in the account, the payment would decline. I also noticed my birthday was changed from XXXX to XXXX. I went to XXXX in person to update this but, this can only be corrected by phone or e mail. I messaged them, no luck, I tried to call, The line just beeps. I also noticed a different account number which I also called and messaged about. I was given credit for my payment and fees last month. When I received my new bill it had be reversed back. As fast as I can correct my info it is sabotaged. i pay on time attempting to improve my credit, the company says to contact the card issuer, the card issuer says contact the place that took your payment. Im being sent in circles, even if the prob is temp resolved, Its only a matter of time before everyting I correct goes right back to where I started. This also happens on other accounts. This is unfair, how can I ever improve credit in a situation like this. I opened the account ending in XXXX in person with valid ID how can a birthday get changed? This problem is happening with all of my accounts, not just XXXX. I also have credit monitoring accounts being created and paid for, also freezing my credit under an account that isn't mine. Currently XXXX has an account in my name with a credit freeze, thats not actually an account I created or can access, I did write to them since I cant get thought to them by phone. This also is making it hard to refi my house. Im literally being taken from, then charged for it then add interest. 
This makes it impossible to improve my credit and impossible to get ahead on bills. This is just the beginning of issues. I do not think it is the company directly, I think someone has control or access that should not. I also had a UBI that I was unaware of and an ISO which is patent, I dont know if this may be related to my issues but im getting copy right infringement strikes and have never actually recieved any legal paper document or a response to what exactly im infringing, Making it hard to appeal because I dont know what exactly to appeal or who to adress the appeal to or what url was involved. Also I have been confirmed a victim of identity theft! I dont know how Ill ever get that under control when I cant even control a credit card account! The card I am using is my card, i recieve my paychecks on this card. It is a XXXX  all access card with XXXX bank. My employer is XXXX ( XXXX XXXX XXXX  XXXX wa. ), the direct deposit appears from volume services!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, my mortgage servicer, maintains an escrow account I pay into, and Mr. Cooper is responsible for paying from that escrow account to pay all my property taxes for my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX. On XX/XX/XXXX, I received a Notice of Tax Delinquency from DC XXXXs Office of Tax and Revenue stating that Mr. Cooper has failed to pay my XXXX and XXXX property taxes. If the property tax payments are not received by XX/XX/XXXX, they will force a sale on my home to recoup the property taxes owed. 

I alerted Mr. Cooper of their failure to pay the property taxes on XX/XX/XXXX. They told me that I would be provided an update on their resolution of the issue by XX/XX/XXXX. On XX/XX/XXXX, they called me and informed me that they had made no progress in resolving this issue, but that I could expect an update from them by XX/XX/XXXX. 

On XX/XX/XXXX, all I received from Mr. Cooper was a letter telling me that the issue was being researched by the tax department -- but provided zero timeline about when this will be resolved by, and zero recognition that the tax bill remains outstanding. At this point, it has been a full week they have been aware of taxes that they failed to pay for months -- and they have made no assurances of whether or when they will resolve the issue before DC 's tax authority forces a sale on my home. 

My current property tax balance owed to the DC tax authority is {$7300.00} -- that is what Mr. Cooper needs to pay for. They claim they paid the tax bills for XXXX and XXXX in XXXX, but the DC tax authority has no record of receiving any such payment. 

After speaking with Mr. Cooper by phone today again and receiving no meaningful help, I have let them know that I plan on submitting a complaint to the Consumer Financial Protection Bureau.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have Synchrony card security for years on all my cards. I have filed proper claims for a XX/XX/2023 life event impact claim. I filed it in XXXX. : Benefit request number XXXX, XXXX, XXXX, XXXX, XXXX. The 3 monthly payments have been made. However, the company refuses to payoff the claims under the pretext that I have not provided the documentation needed. I have proof that I have. I provided all documentation requested. I faxed it on XX/XX/2023 to XXXX. I sent it via email to XXXX on XX/XX/2023. I emailed it again to XXXX on XX/XX/2023. I uploaded the documents to XXXX XX/XX/2023, too. I called them on XX/XX/2023 again. I called today, XX/XX/2023, which should be opened, only to be closed after I got an email stating, once again, my documents were not received. This is the part where the company is to pay off the balances in full and reimburse me for the payments. I made payments in XXXX after XX/XX/2023. Their form has been completed with all requested information, The separation notice, the last 2 pay check stubs, my current XXXX payment ( not requested ), State unemployment proof of deposit via bank statement and proof of disbursement from the website, State unemployment bank card, State unemployment benefits received from the State website. 
Today, I get yet another email stating they have yet to receive my benefit form. I provided everything again today, including 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 explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I submitted and complaint about this and few days latter the informed me that the re-investigation was complete. They did not do any investigation or produced any document with my signature at all.

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 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 Bank of America - XXXX, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-05-10
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Letter dated XX/XX/20 denied credit. They can move credit limit over from existing cards I have with them, but they refused. Reference #  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 explanation