BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: PA
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 has violated my rights XXXX 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 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 of information or 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 explanation
Consumer complaint received 2023-03-13
Company: AmerAssist A/R Solutions, Inc.
State: OH
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:
On XXXX XXXX, AMERASSIST AR SOLUTIONS, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, AMERASSIST AR SOLUTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

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 2023-03-29
Company: Alorica Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally took out a loan on XX/XX/XXXX through the company XXXX in the amount of XXXX XXXX This amount came to me as a borrow and save plan. They gave me a cash amount at the start of the loan in the amount of XXXX XXXX and the remaining balance would be placed into a savings account as I paid a biweekly payment of XXXX XXXX until the balance was reached and paid in full. On XX/XX/XXXX the account was transferred to a different company called SST, Or Systems and services technologies inc. at this time I was advised that no changes will be made to my original contract and that SST would be handling my account further. I was also advised that the savings account that was originally set up by XXXX XXXX XXXX in part with the XXXX account, would be safe and secure and released to me 14 days after the final pay off was made. On XX/XX/XXXX, I made the final payment of XXXX $ to SST. This left my savings account balance at XXXX $ that would be sent to my checking account 14 days after pay off was made. I was advised when calling to make that final payment that I would get the funds my XX/XX/XXXX. I called on XX/XX/XXXX to make sure that my account information was received correctly and I was advised that they had all of the correct information and that the funds would now be released on the XXXX day after final payment and the call center rep stated that I should receive the funds into my account by XX/XX/XXXX. 

I reached out to SST today XX/XX/XXXX at the number XXXX to inquire what the status was of my savings account balance being released to me. The agent stated that there was no time frame available to give me as to when I would get my money. She stated that cross river bank had the funds and were holding them and many accounts were not granted their savings returns. I asked what I needed to do to get this money that is owed to me per my original contract with XXXX and she stated that all she could say was to wait and see if they arrive. They have no information on where my money is, but they received my final payment. As per the contract I was supposed to have the funds sent to me within 14 days. At this time there is no movement being made by SST to pay me what I am owed per the contract I signed. At this time I have no clue if I will ever see these funds. I discovered through various reviews of other customers that this is an ongoing issue with this company and no one is getting their money from their borrow and grow accounts as originally planned. This is very frustrating and bad business. I simply want the money that I paid into this account that I am owed. At this point I have paid more than both the original cash amount given and interest have accrued and they have essentially stollen XXXX $ from me with what seems to be no intention of paying it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor. 

After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute. 

It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank. 

Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 XXXXXXXX, XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: SC
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 a 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C.

1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked!

The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting!

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 2023-03-30
Company: Key 2 Recovery, Inc.
State: MI
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 is to inform you that, XXXX XXXX XXXX is a victim of a fraud committed using my the identifying financial information pursuant to FCRA 15 USC 1681a ( q ) ( 3 ) because the data furnisher FAILED to give the consumer FULL DISCLSOURE regarding its opportunity to Opt Out of the disclosure of nonpublic personal information to third parties before such information was disclosed. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA a consumer report does not include ( i ) any- report containing transactions or experiences between the consumer and the company making the report, unless as stated in 15 USC 6802 ( a ) ( b ) ( 1 ) & 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) the customer is given the opportunity to opt-out and fails to do so. 

Pursuant to 15 USC 1681a ( q ) ( 4 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. It will also make sure that inequitable information do not reappear on the credit report. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am not having difficulty refinancing with my existing mortgage company. I am not looking to refinance with them. 
My difficulty is with the information that my current mortgage company Specialized Loan Servicing, SLS provides to companies that I apply to for refinancing. My principle balance on the loan is approximately {$9000.00} as evidenced by information on the website. However, in a recent inquiry from a potential refinancer SLS stated that my balance is {$130000.00}! 
In fact, I have requested a copy of my most recent refi with SLS that happened approximately five years ago. I was told that the most recent request was mailed XXXX. I do not have it yet. I made three prior requests for copies as well. Two requests were made in XXXX of last year and most recently in XXXX of this year. 
When the loan was sold to SLS in XXXX it was conventional with XXXX months. Far from ideal, but a portfolio in which my loan was included was sold. In fact the organization that sold the loan to SLS was not the loan originator. My loan had been firmly established. 
In XXXX I inherited a childhood home that I sold one year later. Until I sold it, I rented to tenants who were often late with payments. I was left in the position of managing a home equity line of credit and two mortgages- my own and the remaining mortgage on my family 's home. I survived by selling the house in XXXX. In fact I am in a far different position now. During that time SLS offered what had been presented as a 30 year fixed mortgage. What it appears that I have is a 52 year mess. How does one go from a 30 year fixed conventional loan to a refi of 52 years WITH a balloon attachment? I became aware of the balloon attachment when I checked my credit report, and it stated that my balance on the house was {$120000.00} last year. It was recently presented to XXXX XXXX at {$130000.00}. 
My principal balance on the loan in XXXX XXXX  was {$88000.00}. This was according to the information on SLS 's website.

I have complained to CFPB in the past about SLS 's affinity to negatively amortize loans- my escrow payments were far out of proportion to my principal payments. As a result, the escrow payments were spread out over five years.

I am NOT willing to pay SLS {$130000.00} on a principal balance of {$88000.00}.

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 2023-03-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
First of all I haven't been able to log into my account because all of my information has been changed this started last month I had to make an over the phone payment and they are saying I never paid on it so I started receiving emails a week ago saying I missed a payment this was 10 days after the due date I got a call from a collection agency saying my card was cancelled I called the credit card company and asked them several times if my card was cancelled she said no twice and yes once so I'm not even sure if the card was cancelled then the information they have on file is wrong but somehow they have my phone number right so I can't log in online because the system says my phone number is wrong now I just tried to make a payment again today and none of my information is right I tried to call but the lady I spoke with didn't know what I was talking about they lowered my credit limit and started charging me for some insurance I told them I did not want there is some charge on my card for something and I never made that charge but can't get anyone to fix it if they are trying to mess people 's stuff up so they can charge more that is complete XXXX XXXX  and something needs to be done about this I plan on cancelling this card once I pay it off cause they already made my credit score drop and I'm not gon na get ripped off by anyone period

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 2023-11-26
Company: Bread Financial Holdings, Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX, account ending in XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MS
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:
Please have the credit bureaus investigate these accounts below from my credit report that are reporting inaccurately and that does not belong to me, if it belongs to me please send in proof beyond following the guidelines in the dispute letter below so me and the CFPB can see exactly which company is reporting these items to you that doesn't have my consent to share my data.

Company response to consumer: Closed with explanation