BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX WE EFS XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-11-08
Company: First Credit Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Credit Service is attempting to collect a debt. 15 U.S. Code 1692f ( 1 ).

Im requesting they send me the agreement I have with their company concerning this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
State: NY
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 was charged by XXXX XXXX for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted Discover ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed XXXX  as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. Discover refused to help me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, This is my second time submitting complaint about XXXX XXXX XXXX. 
Back in XXXX we submitted loss mitigation hardship application to XXXX. Application was submitted on request from XXXX. XXXX rejected the hardship the words from XXXX repserventive he looked up the home prices in our area and saw our area people were not up side down on there mortgages like most of the country at the time. 

This is unfair we were not looking to sell we submitted the loss mitigation to keep our children in the home they grew up on. 
XXXX our credit was bad low XXXX because of the delinquency loan that XXXX did not approve in XXXX. We decided to sell in XXXX to get out from under the debt. We went back to XXXX told them we were selling and could they help? XXXX requested loss mitigation again and we submitted another W2 tax returns bank statements and letter explaining how we were moving over seas back to where we came from and take employment in XXXX. XXXX rejected loss mitigation again and said if we gave them a XXXX less than what was owned the home would go to short sale and this will slow your process to sell. We never got any letter explaining why the two loss mitigations were rejected. XXXX have now got a law firm blocking us from communicating. 

We have reported the lawyer to her state bar grievance board as she informed us our files were destroyed after the home sold. We have our files because the law firm was not been truthful. 
XXXX responded back to the CFPB this year saying they did not do loan modifications, CFPB there is a copy of this letter here for your records. 
I asked the lawyer last week for copy of my rejection letters no response. 

Also the lawyer that is representing XXXX said XXXX associates did not feel safe in there office after i said i would come to there office to pick up my files. 
I did say this but never made any threats. XXXX would be calling local authorities if they felt unsafe and not a lawyer. 
XXXX you are not been fair here that is why CFPB has been contacted. 

Respectfully. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 reviewed my credit report and it shows a home equity line of credit, a mortgage and auto loan. The HELOC was XXXX, the auto loan XXXX and the latest Mortgage is XXXX of XXXX. I was told that when my mother died she left a will and some property or assets to me but my living grandmother forged her will. Which once the home was sold in Florida my mother owned, things began showing up on my credit report. The mortgages and loans all occurred while I was unaware of any thing? I would like to get the information and possible rights to what property belongs to me? I have e noticed my living grandmother has bought and sold multiple properties and the information. And addresses on my report all match the properties my grandmother owns lives in

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 2022-11-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint concerns resolution of a fraudulent check presented to Chase Bank that was posted against my account. I have been working through my local bank ( XXXX XXXX ) branch for 13 weeks to try to spur resolution of the case but am told that it is in Chases hands, it could take months, and I am prohibited from getting any information from them directly. Details : I have had a business checking account with XXXXXXXX XXXX  since XXXX. 
I initially wrote a check to XXXX XXXX XXXX on XX/XX/XXXX for {$47.00}. 
That checks payee and amount were altered, presented to Chase Bank and the {$19000.00} check was posted to my XXXX XXXX account on XX/XX/XXXX ( copy of altered check attached ) I reported the situation to my local XXXX Bank branch manager, XXXX XXXX XXXX on XX/XX/XXXX. XXXX requested I fill out an affidavit of fraud and report it to the XXXX XXXX Police ( case # XXXX ). Both actions were completed by XX/XX/XXXX. I also requested to be immediately set up with positive pay to prevent further issues on my account. 
Chase Bank called me on XX/XX/XXXX and asked if I knew XXXX XXXX ( the payee of the fraudulent check ), to which I replied absolutely not. 
I followed up with the local XXXX branch 7 or 8 times over the next 2 1/2 months, and was told my case was with Chase Bank for investigation and that it would take a while. 
After inquiring on XX/XX/XXXX about the status, XXXX said they had no update and suggested I go back to the XXXX XXXX Police to see if they had an investigation update. At that point, it was apparent to me that we needed to move beyond the local office and I requested that someone above the branch level become involved. 
I then was referred to XXXX ( I don't have a last name, but the case # is XXXX ) at XXXXy XXXX XXXX Executive Client Relations XXXX. We spoke on XX/XX/XXXX and, while apologetic, XXXX said the matter was in Chase 's hands and they had no updates and couldn't help me further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, an unauthorized ACH payment for {$940.00} to Comenity Bank via automated phone system was made to my credit card account and cleared my checking account. I have never paid this account by phone and I did not make this payment. I have never set up any automatic or recurring payments. I have made all payments on time via the online portal, and the payment was not yet due ( due XX/XX/XXXX ). I contacted customer service. A dispute was initiated on the payment, but the payment was not refunded. While awaiting the dispute, a second unauthorized payment for {$1000.00} posted to my account on XX/XX/XXXX, again, made by phone from my checking account. I did not make or authorize this second payment. I contacted Comenity customer service again and was told that a request to refund the second payment and a dispute would be initiated. After receiving no follow up information, I called Comenity 's account protection number and was informed that a new card should be issued in case this was a fraud attempt. No refund of the unauthorized payments was made. Following this call, my account information was deleted/deactivated, so I now can not access my account information online. I believe that the account deletion happened to prevent me from obtaining documentation of these transaction through my account. These unauthorized payment have resulted in a negative bank account balance and may overdraft fees, with no resolution in sight. I am attaching one screen shot showing the second unauthorized payment scheduled on my now inaccessible Comenity account, and one screen shot of my conversation over the first charge with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX  Balance : {$720.00} XXXX XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}

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 explanation
Consumer complaint received 2023-10-27
Company: FC HoldCo LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I ask my car loan company why my payments hasnt reported to my credit report in 5 months I havent got an answer and as of today my on time payments of months hasnt reported to my credit 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 2023-08-09
Company: EQUIFAX, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
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. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written 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 or 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. 1682s-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 explanation
Consumer complaint received 2023-08-09
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, XXXX  is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Equifax has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Kikoff Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kickoff Lending has reported account # XXXX opened on XXXXas a debt owed by myself without any letter of verification that the debt belongs to me. Resulting in a negative payment history for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. This account was opened fraudulently by someone whom stole my identity. The following is the 2nd of 2 accounts reported by Kickoff Lending. 
Account # XXXX also shows up as being 90 days late on my credit bureaus as a result of fraud. I have also asked for a letter of validation for this account and Kickoff Lending denies to share any validation or verification proving either account belongs to myself. This two accounts combine for 7 Late Payments that arent mine and should not be listed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the XXXX 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 the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 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 2022-11-13
Company: Experian Information Solutions 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:
after reviewing my file I acknowledged a lot of invalid information on my credit report with Experian I am disputing all incorrect information to fix my file.

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 2015-03-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.

Company response to consumer: Closed with explanation