BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This credit reporting agency XXXX  removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX  and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXXXXXX credit card was not opened by my or authorized by me I have submitted my identity theft report number with the CFPB and the police report case number to the company and to the major credit reporting agencies and this still remains on my report after numerous disputes and phone calls to both the company and the bureaus I need this removed IMMEDIATELY it is affecting my business credit and personal credit scores IMMENSELY and have suffered compounding problems and fees from this and not to mention the loss of available credit for me and my my business

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 2022-10-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Surprise medical bill. Tried multiple times to resolve through XXXX XXXX but to no avail. XXXX 's billing service has now sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per the FDCPA I requested verification of debt from NATIONAL CREDIT ADJUSTERS, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. NATIONAL CREDIT ADJUSTERS has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MI
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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy ch XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2020-10-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have refinanced my primary residence two months ago as the lender XXXX Ally home loans ) selected an insurance company for the loan. After loan is approved and I already made 2 payments, I received a letter from XXXX XXXX XXXX stating that I have insufficient insurance coverage ( which my lender themselves selected for me ). 
My current mortgage includes insurance and property tax, thus I do not know why they made a mistake selecting insufficient coverage of insurance in the firat place to make the loan look attractive to me to obtain. 
Now after 2 months, the lender sending me a letter, demanding me to ask the insurance company XXXX still I do not know who they are XXXX to provide explanations of insurance coverage! 

This is a bad business practice for any lender XXXX ally bank XXXX to have a certain amount in paperwork as an insurance payment, which later when they sold the loan to some other lender XXXX XXXX? ) and the current lender is after me to proof that I have sufficient coverage? 

This is a 30 year fixed loan. Can you help me resolve this issue please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On three occasion from XXXX XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXXXXXX XXXX refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: VA
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 recently pull a copy of my credit report i want to inform you that i have unauthorize inquiries on my credit report and i need all them to be remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on 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 2023-03-18
Company: SYNCHRONY FINANCIAL
State: OH
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:
checked my credit unauthorized hard inquiry SYNCB/AMAZON ( Bank XXXX XX/XX/20XXXX 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 2022-10-04
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: Investigation took more than 30 days

Complaint:
I filed an investigation with XXXX XXXX Equifax and XXXX on XX/XX/XXXX and I still havent gotten no information back on the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Thomas Agency debt collected for XXXX XXXX XXXX XXXX. I am in the United States XXXX XXXX at the time that this debt accrued. I have full medical and dental coverage. I wasnt in Maine at all during this time.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX Has reached out via email. They are a predatory agency who has bought bad debt ( meaning not valid ). I've told them in writing to not email again on XX/XX/XXXX and they've emailed again this morning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: JPMORGAN CHASE & CO.
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:
Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : JPMCB CARD SERVICES # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
To Whom It May Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against Experian credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information.

I have disputed these unauthorized hard inquiries with Experian in writing on [ dates ] but the information remains unchanged. Experian has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into Experian for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, 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 2021-04-05
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have not charged anything on this card since XXXX of 2020, yet this balance never goes down nor will they allow me to use the card ever to get gas. 

This company adds late fees even when you make payments. I have tried calling and calling First Progress only to be put on hold and left there for hours at a time listening to prompts roll over and over. I was told there was a once time removal fee of {$40.00} and now when I call they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt recovery solutions is trying to collect on an alleged debt that is past the Texas Statue of Limitations of 4 years. The debt is too old to be harassed for. The date of Service on the letter is XX/XX/2016. I have been receiving harassing calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Monday XX/XX/2020, I received a call from XXXX from rep XXXX XXXX with IC Systems. I was advised I owed a bill to XXXX XXXX. At that point, I advised them I was happy to return the phone to be credited to whatever bill may exist. Under the agency relationship, returning the phone to the client served to mitigate the collectors clients damages. As such, he had a legal duty to take the proposal to his client to accept the phone to mitigate the damages. The collector refused to even take the proposal to his client. 

Second, not only does XXXX have a duty to mitigate under the eyes of the law but I believe under the original contract it includes a clause that each party has a duty to mitigate. Because XXXX refused to accept the phone and provide an updated balance they are in breach of contract since both the law and the four corners of the contract stipulate each parties duty to mitigate damages. 

As a result, not only has XXXX threw its agent violated contracts law in general. They have also violated the Kansas Consumer Protection Act. As such, I am drafting a petition to file suit against IC Systems. 

Its also worth noting, IC Systems took no basic stamps in accordance to verify my identity like verify my date of birth of the last 4 of my social security number. 

IC Systems has a firm with over XXXX employees and revenues in excess of {$350.00} XXXX per year. Their choice to engage in aggressive, unconscionable, and illegal practices despite their having significant resources to conduct business within the bounds of the law is the exact kind of actions that will justify my request for punitive damages in the petition. 

Finally, they contacted me on my cell phone that I have had for less than 3 months and refused to provide me with where they located my phone number from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that my XXXX credit card limit was being lowered to {$190.00} due to credit score influence, high outstanding balances, limited credit experience. The credit bureau was pulled on XXXX XXXX, XXXX. The credit score states it is XXXX. That credit score is  incorrect. I am a paying member to XXXX and I can see what my credit score was in XXXX and it was XXXX. This is a new credit card for me but I have had credit cards for years so I am not sure why the letter states " limited credit experience ''. I was carrying extra debt back in XXXX but it was due to holiday shopping. Since XXXX XXXX I have decreased by debt by {$3000.00} by paying off several cards that had a balance. I dont understand how a company can use a credit bureau report from 5 months ago and lower your limit. My credit is now being negatively effected by this due to my credit ratios being increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX with Account Number : XXXX XXXX. XXXX XXXX  with Account Number : XXXX However, they stated everything was complete and accurate but that is not true as the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent 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, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation