BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been attempting to get my statement from Comenity/XXXX  since XXXX. I have not had a statement since XXXX and I have reached out to them several times and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-05-31
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:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written and called Experian several times about the account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is reporting to Experian as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my Experian report to reset the last date of activity. I have explained this to Experian several times via phone and letter. They have yet to remove this account for inaccurate 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 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XX/XX/XXXXcontacted XXXX XXXX/collection asked them about this account # XXXX in the Amount of XXXX they advised me that they had Bought this credit card account from XXXX XXXXXXXX XXXX I advised them that the account not mine they look at the account that it was a valid account that I would with the CFPB case XXXX that was sent to the XXXX now the collection agency is caused my credit scores to Fall back in XX/XX/XXXXmy credit score XXXX XXXX XXXX they are now down to XXXX XXXX XXXX as of XX/XX/XXXX this Account was open on the Internet With out my Knowledge and yes there is a Police report made I also sent a letter of demand today by fax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XX/XX/XXXX, I requested a modification of my mortgage loan. XXXX XXXX XXXX sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XX/XX/XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

XXXX XXXX XXXXXXXX, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. XXXX XXXX XXXX failed to send XXXX of XXXX, but sent XXXX from 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 2021-09-30
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C. Systems was hired by XXXX to collect a debt that doesnt exist. 

I sold my XXXX home and moved in XX/XX/21 and had disconnected services, paid my bill in full and returned all equipment that I had been using at XXXX XXXX XXXX. 

I am extremely upset that this collection is on my report and the company is refusing to take accountability and remove it, as it is false. I do not owe any money to XXXX, I have paid What was owed and returned the equipment. This collection crushed my credit by 100 points and caused me to be denied for a mortgage. Not too mention, Ive had issues in the distant past with this collection company. Theyre dishonest and shady, bullying people into making payments that arent owed. 

I want this removed from my credit report and repaired immediately.

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 2023-05-31
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX between XX/XX/18 - XX/XX/18 several unauthorized trans actions took place on my account using my debit card # and home address. All fraudulent transactions were done online or by phone. No signatures or Pin transactions were used. The amounts were : {$450.00}, {$38.00}, {$75.00}, {$150.00}, {$130.00}, {$220.00} {$300.00}, {$47.00} {$26.00}, {$31.00}, {$39.00}, {$35.00}, {$40.00}, {$150.00},. All these transactions took place while the debit card was in my possesion. I used my debit card almost every day at the gas station, grocery store, coffee shop etc. but when you go to the corner store it does not tell you the balance after the transaction and I did not go to an ATM to make a withdrawal or deposit to check my balance Until XX/XX/18 when I noticed money missing out of my account. I immediately made a claim that day. A credit was was put in my account for all the fraudulent transaction Approx. 2-3 days later. I then continued to use my account. 3 months later I received a letter dated XX/XX/18 stating that my claim was denied and a reversal of the credit given to me would be subtracted on XX/XX/18 ( {$1700.00} ). It did indeed take place leaving my account in the negative. I have made several calls and written letters to Bank Of America, They  have not replied. can you please help me rectify this problem. 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 monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX XXXX XXXX XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XXXX XXXX 


I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

Thank you for your prompt attention to this matter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 REPORTER ACT XXXX ACCOUNT XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: PA
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:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-09
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: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am planning a family vacation and I used Paypal for a few family members to send their money to me that is owed because I am booking it all at the same time. The money is owed to me. Back on XX/XX/2021 XXXX XXXX, my relative, sent me {$5000.00} it took a week for it to be available in my Paypal. On XX/XX/XXXX XXXX XXXX also sent me {$4000.00}. When XXXX first sent the {$4000.00} she accidentally sent it for a " product or service '' so I texted her and immediately told her I will cancel it and told her to send it again as " to family ''. She sent it again correctly this time. Paypal sent me a message on XX/XX/XXXX saying that I need to verify all my transactions, upload a government ID, and proof of address. I uploaded all of that information and they restored my account. They asked me for this EXACT SAME information again a day later and then closed my Paypal account on XXXX with out reasoning. Also holding on to over {$9000.00} in my Paypal account. My family even reached out and advised that the money was sent to me correctly and they still have not released it to me. They have told me that I will have to wait 180 days. That is unacceptable. Nobody has disputed the money and it was never anything fraudulent. This money needs to be released to me immediately in either a check or to my XXXX or XXXX XXXX account that I already have linked to Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX after being affected by the XXXXOVID Pandemic we applied for and received Pandemic forbearance. In XXXX of XXXX I called my mortgage company, Mr. Cooper and asked to restart payments. I was told they would review with the VA what was allowed to make up the missed payments, and they stated it would either be a deferment or a loan modification. They then told me a week or so later that I didn't qualify for a deferment and that they could only offer a repayment plan of the missed payments over 10 months or a loan modification plan. The repayment option would increase my monthly payment from {$2400.00} to {$4500.00}. per month. I obviously can not afford to almost double my mortgage payment for the next 12 months. I objected to that and they said they would restart my forbearance and review the loan modification process. It took them until XXXX to make a decision that I did not qualify for a loan modification because they calculated my disposable income at over {$6000.00}. per month. My take home pay is {$6200.00} per month, and I have a {$580.00} VA XXXX payment. My total take home is under {$6800.00} per month. I have XXXX children, ages XXXX, XXXX, and XXXX. After regular mortgage payments, utilities, food and clothing along with my other financial obligations we are just able to make ends meet. With the {$4500.00} mortgage payment not an option, I sought out a refinance. I am fully approved for the VA IRRL which would have closed on XXXX and would lower my rate from 4.25 % to 2.99 % thus putting me in a much better position financially. At this point Mr. Cooper is blocking the refinance. If they would allow the refinance to move forward they would have the funds wired to them within 3 days to pay off the entire loan balance. The only logical explanation would be, that Mr. Cooper is using this tactic to force a foreclosure on my home because of the estimated {$160000.00} in current equity and homes in my area selling in an average of 8 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ). 
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX  ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX. 
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX. 
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic. 
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up. 
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments. 
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid. 
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX. 
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments. 
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments. 
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX. 
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions. 
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.

Company response to consumer: Closed with monetary relief