BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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, XXXX, & Equifax failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, XXXX, & Equifax all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Self Financial 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:
i am showing a secured loan on my credit report from self lenders that i have been paying monthly but never received a loan i also didnt even know i was making payments i believe it was set to auto pay and it shows as a secured loan. i am getting constant offers for loan approvals never applied for and also have issues with XXXX credit card XX/XX/XXXXcredit cardXX/XX/XXXX all showing inaccurate charges i have had to submit inaccuracies to my bank and believe i am a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Clarity Services
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXXXXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written the company several times to verify the Debt. I don't know why this company is reporting to my Credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
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:
I have disputed the labeling of an account as closed because of repossession. The repo was wrongfully conducted due to the ineptitude and incompetence of the furnished, in this case XXXX in XXXX XXXX, TX.,  and to add insult to injury also the incompetence and ineptitude on the part of Experian in investigating it. I had filed a complaint with the XXXX   regarding this back in XX/XX/2015. XXXX  complaint # XXXX. I sent a copy of the document electronically and by mail with a letter explaining it. I had called the furnisher twice about this and they conveniently could not find the account, but when Experian investigated they magically found it and confirmed it. As I stated in the past, these credit bureaus are quick to post this information taking the word of these providers without verification, but when the consumer goes to refute the information its like pulling teeth. I practically have to do their jobs for them by collecting information that they should be able to, especially if theyre undertaken an awesome responsibility of posting vital information which affects the consumer greatly. I have been through a lot because of their incompetence and actions. I DEMAND that this gets corrected as quickly as they took to investigate. I dont know why furnishers weigh information from these agencies so heavily in their decisions if they make so many mistakes, and the complaints filed with various consumer organizations confirms that fact

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 2021-08-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite showing proof that payment to Freedom Mortgage cleared my bank on time in XX/XX/2020, Freedom Mortgage continues to report my mortgage as delinquent 20 days in XX/XX/2020.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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 have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

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 2020-12-16
Company: AMERICAN EXPRESS COMPANY
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:
I attempted to extend myself a credit card through XXXX XXXX followed by American Express. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXXXXXX XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Self Financial Inc.
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The monthly XXXX dollar payment made to self XXXX  account on XX/XX/2020 was not credited to my account balance by Self XXXX. The statement says that a payment was not made in XXXX and that I am behind XXXX dollars which is not true. I believe they are retaliating due to a previous complaint made to the Consumer Financial Protection Bureau and publishing it for others to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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 was going over my credit report and noticed a few things i believe is fraud as i never authorized any of this to my knowledge. I do not recall signing anything with these companies or agreeing to doing any business with them. 

The following companies are giving me hard pulls on my credit report XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX XXXX. 

I believe all these to be fraud. As I did not authorize my credit to be run by any of these companies. 

XXXX for example I had called and they had no idea what I was talking about.

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 2019-01-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received 3 text messages ( see screenshot for dates XXXX from XXXX regarding an outstanding check i have out with checksmart from 1month ago. First text was to tell me my check payment was overdue. The last 2 stated if i call XXXX before XX/XX/2019 I would get 20 % off what i owe. When i called that number today a woman asked for my social security number so she could look up my balance. Then gave me my balance which was correct. She then asked me what the text said i told her 20 % off she says oh ya oh ya we can do that. Then says let me find calculator. Ya thats about {$92.00} off i think and asked for my debit card number very excitedly. I didn't think a debit card could be used to pay off check. So i asked if i could go into my local branch and have the same 29 % off, she then stated she was at corporate office and this promo would not be honored in any store only over the phone. Time was XXXX when i called. Upon looking up the business hours for checksmart corporate i descovered they close at XXXX and theres not even a local branch that stays open that late. She was able to provide me with the correct amount i owed on check but i dont know is that info available to the public with just a social security or maybe she's a crooked employee. Is this a scam? I didnt give my debit card info. And my complaint isn't directed towards checksmart only toward this alleged scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( police report and identity theft affidavit ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Out of the blue Synchrony Bank decreased my credit limit from {$2400.00} down to {$1600.00}, which is ridiculous and how can they do this, I pay over the minimum payment every month. Never had a problem until just this year 2023. I do not agree with this decision, I do not know where they are getting there information, but I have XXXX XXXX on my phone and my credit is checked daily so I know where I stand every day, for Synchrony to do this is not right and I want the credit limit returned to {$2400.00} like it was it was at {$2400.00} for about 2 years and suddenly they want to decrease for reasons that are preposterous! This company has not been easy to deal with since I have had them, but I want to keep the credit card because it is a Sam 's Club Elite Mastercard and can be used anywhere it is just synchrony banks reasons for decreasing the credit limit. None of my bills are late, there no derogatory or delinquent accounts that show up in XXXX XXXX which is updated daily nor is there any delinquent or derogatory accounts on XXXX, which I check regularly as well and my own bank monitors my credit and no delinquent or derogatory accounts through my bank so I do not know where Synchrony is getting their information, nor do I care because it is not accurate as I said my credit is checked regularly and nothing is bad on my credit my score is a XXXX for XXXX and XXXX for XXXX and XXXX for XXXX, which I just checked today, XXXX XXXX, 2023. I want this decision to decrease my credit limit down reversed immediately, I have never paid the bill to Synchrony Bank late and it is always above the minimum payment as it is with my other credit cards, none of them are late, they are all in good standing.

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 2023-11-15
Company: CADENCE BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
The bank worked with our builder to change terms of our mortgage and devalue our home by ~ {$90000.00} by changing line items in our budget without homeowner consent. They did this with documented manual budget overrides and ordering inspections to obligate us to pay the builder even though work was not complete, also reimbursing the builders for {$36000.00} of out-of-scope work, not agreed to by the homeowners. The bank executed loan modification agreements that were obtained through blackmail, as witnessed by the bank. We believe the bank did this in order to secure future business with the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Consumer Financial Protection Bureau ( CFPB ), A pleasant day to you and I hope thiss message finds you well. I am writing to formally dispute and request an investigation into the presence of fraudulent information on my consumer report, specifically related to an account with XXXX XXXX, which I have no knowledge of or any business dealings with. I believe this account has been erroneously included in my credit report, violating my rights to privacy as outlined in 15 USC 1681. 

Below are the details of the account in question : Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2023 Status : Collection account. {$1300.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$1300.00} Balance Updated : XX/XX/2023 I assert that this account does not belong to me, and I have never authorized or engaged in any business transactions with XXXX XXXX. The presence of this account on my consumer report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I kindly request that the CFPB conduct a thorough investigation into this matter. I urge you to exercise your authority under 15 USC 1681 to ensure that this false information is promptly removed from my consumer report, as it is in direct violation of my rights to accurate and fair credit reporting. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to protecting consumers ' rights, and I look forward to a swift resolution of this dispute.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a XXXX late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2020-12-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
XX/XX/20 I called Comenity Capital Bank at XXXX and spoke to an agent inquiring about why my payments were being marked late, and the agent wasnt sure and told me I needed to take it up with their credit department and was transferred to XXXX XXXX 

This was not helpful to me, so at XXXX I returned the call and spoke with another agent, and asked not to be transferred to the credit bureaus because it was not helpful. This agent was trying to look into my account to find out why my account was being recorded as late. He pulled up my payment history and was just as confused because all of the payments had been made on the due date. He said was trying to change it in the system to reflect not late, but was unable to do so and that I would need to talk to someone in the credit department to have them fix it. He also said he had a connection in the credit department and transferred me to a call cue at XXXX XXXX. This was not helpful. 

I called back at XXXX and spoke with another agent inquiring about how I can get something in writing saying the accounts were not paid late as two agents earlier in the day had already said. He told me, they were marked late because the payment was not the full amount due. 

Caveat to this- I was on a 3 month plan to get current because while I was on maternity leave ( XXXX  ) I was unable to make my payments because it was a huge pay cut. Once their grace period ended they added all of my payments together and that was total due. Something around XXXX. Theyre collection department set up the payment arrangements, amounts, and even the auto drafts from my account. So I know that what this guy was saying was false information. 

He kept putting me on hold and couldnt find any other reason that my payments were being marked late other than they were less than the $ XXXX due. I asked him if there was something he could give me in writing showing that my payments were not late for those months. He told me I had to request it in writing from the credit department and then they would take 30-45 days to respond and dispute any information. I told him, before I can dispute it with the credit bureaus I needed a letter saying my payments were in fact, not late. He just kept telling me the above information. He said requesting this in writing was the only way to move forward.

Company response to consumer: Closed with non-monetary relief