BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Experian Information 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:
I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with 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 2022-04-28
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
I called into XXXX and XXXX to report fraudulent information on my credit file. There was another name listed on my credit file along with fraudulent addresses. They stated that they were unable to verify my identity on over the phone so I was instructed to mail in two forms ID. I mailed out dispute letters also 2 forms of ID. It has been 3 months now and they refuse to remove the fraudulent collections account on my credit file. This has been causing me not only financial hardship it has also been stressful. This is my final request for resolution before I seek counsel. They removed the names and addresses but the fraudulent accounts still remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX  XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX  XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX. 

We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges. 

After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment. 

My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX. 
We are lead to believe that you did not in fact receive from XXXX  our account information well past the date we paid XXXX on the account listed in the attached XXXX  bill. 
We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments. 
According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I tried to secure a loan but was told my credit had a debt collection against it and I could only get the loan at a higher rate. I immediately pulled my credit report only to find my total score dropped XXXX points ( XXXX to XXXX ) and I had a debt collection against me. This was a 1st heard for me and I didn't get any notices or calls prior to this date. I immediately placed a fraud alert on my credit report. 
I called the 3rd party debt collector Helvey & Associates INC on XX/XX/XXXX, who is attempting collection on the behalf of XXXX XXXX in North Carolina. I wasn't able to talk to anyone as their organization was closed. I left a voicemail and received a call the following day ( XX/XX/XXXX ) in which we discussed the matter. During that conversation, I learned there was an electric bill account ( XXXX XXXX ) in North Carolina opened over 14 years ago in my name and there was a balance under {$900.00} that now has morphed into a balance of {$2300.00}. My account and credit was flagged XX/XX/XXXX by the collection agency. My credit report/history never had an entry from XXXX XXXX or this collection agency before last year. 
I never lived in that state, however I did own a rental property at the address in question ( XXXX XXXX XXXX. XXXX, NC ) over 14 years ago and sold it not long afterwards. I ended up suing my last tenant for eviction ( and won ) and later sold the home. 
This debt collection and the creation of a false account in my name has effected my credit score, opportunity to make purchases at competitive rates and now I must report to my government employer as I currently hold a security clearance. 
I would like this resolved by removal of the the debt, my credit score placed back intact and a fraudulent alert placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
Im contacting Equifax after your response to my complaint through CFPB. The complaint number submitted was XXXX. Equifax did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a XXXX balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 4th complaint Ive been dealing with this for the past year now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NV
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:
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.

has violated my rights. Or list of inquiries 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 2023-10-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am remodeling my kitchen and the total cost exceeds {$25000.00}. I applied for a Lowes credit card, issued by synchrony bank, in late XX/XX/. I was approved for a credit limit of {$4000.00}. I mailed a check from my personal bank account for {$21000.00} and synchrony bank cashed the check on XX/XX/. It cleared my bank account on XX/XX/ XXXX  The funds were not available right away, so I charged close to the {$4000.00} limit on the card and paid for my cabinets from Lowes on my XXXX card. This left a large credit balance since I was unable to use my Lowes card for my cabinets and countertops as I had planned. A few days later, synchrony bank closed my Lowes card stating that the transaction was possibly fraudulent. The closure of the account trapped my credit balance refund on the card and even though I have asked several times for a credit balance refund, synchrony bank refuses to return my money. They act as if I am a criminal when I was just trying to make one payment to my credit card to cover my entire kitchen project. If they had kept my account open, I would have purchased new countertops and new appliances, using part of my credit balance up in the process. Synchrony bank will only communicate with me by letters sent via US Mail, which take weeks to get to me, delaying my responses. I can not respond to a letter request until I get it in the mail. I sent a secure email message to synchrony bank with the check image proving it had cleared my bank, but they refuse to accept it. I also had my bank fax over a copy of the same check, hoping if synchrony bank had proof directly from my financial institution, it might move things along. Synchrony bank claims to not have either copy. I am being forced to provide copies via US Mail, which means I have to wait weeks for my refund. The bank is purposely delaying the return of my money for no valid reason. I am paying interest on my other credit cards because I need that money to pay the other creditors off. It has cost me over {$500.00} in interest so far. I am very angry that synchrony bank is doing this to me. I had an Amazon Store Card issued by synchrony bank for almost 10 years, so I was already a customer of synchrony bank. I paid that card faithfully, in full every month with XXXX late payments. That alone should show that I am a trustworthy borrower. I have just today closed my amazon store card. I refuse to give synchrony bank and more of my money. They have lost my trust and they will never get it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: 360 MORTGAGE GROUP LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: RI
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:
My name is XXXX XXXX Im filing this complaint for false reporting misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From inception of the vehicle purchase the finance company has been allowing XXXX and of the XXXX family to unlawfully credit their account with XXXX  XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX starting from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Change of Terms letter was registered mail to Citizens Financial Group Inc XX/XX/XXXX Letter of Instructions were registered mail to Citizens Financial Group Inc. 

XX/XX/XXXX 1099a filing to the IRS was accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
These lenders have accessed your credit file : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian report number XXXX XXXX XXXX acct # XXXX off of {$220.00} showing a balance of {$200.00} with {$2.00} past due XXXX  XXXX XXXX Acct # XXXX charge off of {$1400.00} showing a balance of {$1300.00} and a past due balance of {$1300.00} XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX {$1400.00} showing a balance of {$1400.00} and a past due balance of {$1400.00} These XXXX accounts are a violation of the FCRA and is also in violation of requisite XXXX  XXXX Compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a fair credit report. I have pointed out these inaccuracies to Experian and they have not corrected 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 2023-06-12
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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