BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
It should be against the law to have a creditor reduce your credit line. Please realize that this causes a domino effect to our credit! A higher utilization leads to lower credit scores, which other lenders could perceive as an increase in risk and lower the limit of other cards that a consumer has. Im going to reach out to an attorney to see if this can be a cause for a class action lawsuit. This should be prohibited!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: DE
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:
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.

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.

I demand the following accounts be verified or removed immediately.

Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX  Opened XXXX {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}

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 2022-06-06
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As of XX/XX/2022, XXXX XX/XX/XXXX customers can now get unlimited 3 % Daily Cash when they use Apple Card with Apple Pay for purchases in he XXXXXX/XX/XXXXapp, on XX/XX/XXXX and at store locations nationwide. 

I used my Apple Card with Apple Pay at a participating location and did not receive 3 % cash back on XX/XX/2022 and XX/XX/2022. 

XXXX, customer service representative at Apple Card refuses to credit my account when asked on XX/XX/2022 and lied to me saying the 3 % is only for new Apple Card customers. 

A representative at Apple Card supposedly credited my account for the XX/XX/2022 purchase, however as of XX/XX/2022 I have not seen the credit and believe the representative to have lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have or had a credit card from Macy. Which was at XXXX balance. I had problems in the past about some one charging on the card. The card was supposed to be locked. I did not get any information about a balance. I checked the account for some reason and saw that there was a balance on the card. When I contact their customer service. They remove the balance because of their error. I asked to close the account because this was a frequent occurrence. Now I find out that Macy credit card. Has filed delinquent charges on my credit report. I feel that they did this because I didnt want to continue business with them. I am requesting to have the negative report from my credit.

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 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. 

This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : XXXX # XXXX. Date Opened XXXX. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I do believe that I am seriously in danger as I was not properly closed with my mortgage. Loan Care sold my home through a Trustee Sale without the trustee being connected to the new lender who owned the servicing rights ; XXXX XXXX was the company who should had welcome me and given me a chance to explain my debt. My loan was incorrect and was not properly transferred nor addressed. I have since received a letter dated XX/XX/XXXX as if I had asked that Loan care perform an action on my account and that they received an acknowledgement of my authorization. What acknowledgment? I thought my house was sold on XX/XX/XXXX so why would you have to perform anything on an account in my name. Which is why I am questioning the money deposited in my account in XX/XX/XXXX ; preparing for the house located on XXXX XXXX XXXX XXXX in XXXX arizona  to be sold ; without addressing me as an owner and taking money from someone else ; while I remain in the house. This appears to be against the law to perform this action which is why I am asking once again. Why does XXXX XXXX recognize 's me as being in their system as of XX/XX/XXXX. Does it take that long for me to be in their system while they did not even talk to me regarding my past debt. That debt was incorrect and as I have shown why in previous complaints ; I am praying that Loan Care has to recognize that they were wrong and they will not last as a business if they keep defrauding people out of their homes. Today, I am thankful that I am not homeless, but how sad for those who are. I hope the representative who has their position in these trying times, pray that they are not going to be homeless and have to pay for what they did. 

Please take note that someone is trying to claim my excessive funds which was my forgiven amount that was attached to my deferred outstanding account which was incorrect. Also, please take notice that I was in the bankruptcy claims department and XXXX had acknowledge that my loan was transferred in XX/XX/XXXX, so I should had spoken to the Trustee ; XXXX XXXX at least 4-6 months prior to sale and she held my loan as a lien since XXXX while I was in bankruptcy from XXXX ; so what is Loan Care 's reason on why they did not address my loan correctly after bankruptcy? Was it because of greed? It appears so.. Please address my concern with an appropriate response ; minus the " snide sarcastic and arrogant '' responses that I had received in the past ; you received what you wanted ; THE MONEY, but as of today ; when I check my mail at the old address ; the house sits with my trash sitting beside the road for pickup and I am still getting mail stating that I am the owner less than a month ago. Please explain ....!!!! I hope the FTC can find the answer ...

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 2019-08-26
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB/ MADAM/SIR : I received letter dated, XX/XX/XXXX, From debt collection bureau. they are asking for me to pay them {$57.00} From : XXXX Hospital, date of service was : XX/XX/XXXX. I was at that time 3 days in the hospital for sickness matters. The Total Amount of the Bill was PAID bye my insurance, MEDICARE pay XXXX hospital over $! .000.00 PLUS. Hospital was already PAID in full, and I DO NOW OWE ANYTHING to either or none of them. Thank you. Very Truly Yours. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ISNT MINE DELETE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2023-10-17
Company: EQUIFAX, INC.
State: AZ
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:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following information provided on the XXXX Credit consumer reporting agency violates my consumer rights based on Violation of FCRA Section 605 ( a ) Reporting Outdated Debt : I have noticed that XXXX XXXX  XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2014 2014

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 2020-05-05
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: Public record information inaccurate

Complaint:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans Union LLC just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
M & T Bank, XXXX. Contacted on XX/XX/20 at this number after contacting refinance dedicated number XXXX with automated response " MESSAGE CENTER FULL '' and disconnected. 
Initially after 45 min hold XXXX responded that he was only relay to Loan officer and hung up. Repeated tries, I was able to get XXXX of another Bank Department who attempted to onnect me with loan officer and failed. She arranged for 24 hr call back by a loan officer. Well, 24 hrs have passed nd no call. 
I bleive that M & T Bank is a debt collector and there is more incentives to get customers into debt than provide normal services. 
Thank 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was XXXX to begin with. I did a 3 month deferment due covid layoff. While in deferment I received an escrow shortage statement. I was given 2 options. Opt 1 was to pay nothing and be charged XXXX. Opt 2 was to pay XXXX  and new bill would be XXXX. I paid XXXX on XX/XX/XXXX. Conf # XXXX. I was still charged XXXX  anyway. After speaking with many representatives in Mortgage, escrow and customer service, the problem was fixed. XXXX, I paid XXXX. Conf # XXXX. XX/XX/XXXX I paid XXXX conf # XXXX. XXXX, I paid XXXX. Conf # XXXX. I paid XXXX ea month from XXXX to XXXX. In XXXX. I recieved a refund for XXXX. I also recieved a letter stating that the payment of XXXX was returned so I paid it again on XX/XX/XXXX. In XXXX. my bill was XXXX. I called to inquire about the change and I was told I had money that was just sitting there and they applied it which lowered the payment. I call again to make payment and the automation stated I owed {$15.00}. I paid the XXXX anyways. Conf # XXXX. I didn't receive a statement for XXXX. I recieved another escrow shortage statement instead. The 2 opts. are pay nothing and bill will be XXXX  or pay XXXX  and bill will be XXXX. I called to get understanding and was told it was due to increase in insurance. My insurance only went up {$35.00} a month. No one at BoA can explain what is happening and the numbers don't match up. Please help. They have made my home owner experience very difficult.

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 monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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