BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.

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 2022-08-13
Company: DISCOVER BANK
State: TX
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 received an email from Dicover requesting me to sign something so they can retrieve my tax records or my account would be suspended. I signed it a few days ago, then today XX/XX/22 I try to use my card and it was declined. I have just paid off this card and now I can't even use it, also perfect payment history on it, always paid more than the minimum and never late. Not to mention, my last years taxes have nothing to do with my current wage now. I called today and they wouldn't provide me with any detail as to why I'm being punished for being a good customer. They said that it is discover that requests this, but they wait on the irs that could take up to 3 weeks. I asked what if I used all my money to pay this card off, and was going to continue using it? " Oh I'm really sorry, I understand your frustration. '' No you don't because I've worked so hard on fixing my credit and now discover is playing games with the bills I have autopay set up with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX and XXXX XXXX specific date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter.

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
I reached out to XXXX, Equifax, and XXXX yesterday XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: MI
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged interested on a balance that they setup for me a day after my new billing cycle. They refused to waive the fee. I talked to the manager XXXX and XXXX said she was the only person that I could talk to and that's it high up in management and she's the only person that can fix it but at the end of the day she said she's not waiving the fees because it was the payment arrangement was set for the day after so I have to pay the interest on it and she couldn't she refused to waive the the answers that was charged on the balance that was already sets to be paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/21 and been given the run around since. Please help by reaching out as Im terrified to lose our home.

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 2022-03-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
cooper Im waiting funds from the homeowners help program that will pay up to 24 months back mortgage payments im currently 60 days behind I have tried to pay even sending them a full one month payment they sent it back to my bank I dont have a lump sum of XXXX in full at once I also called them to do a payment plan they told me to wait for my payment to post to set it up then they send my payment back to bank My question is at 60 days behind they noted on my account the last day of the demand letter is XX/XX/XXXX i thought u dont receive the demand letter In pa until 3 months behind And get 30 days after the demand letter to fix the account I feel like they are being sneaky the money Im paying that they are returning is not even noted in my account to see any transactions I made or them should be able to be seen regardless of retuned or not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 XXXX XXXX  XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I Recently phoned us auto and requested a reduction in my payments or to refinance the vehicle, but I was told that usauto didn't do that. During that time I had to make repairs to the vehicle on numerous occasions shortly after the purchase totalling XXXX which forced me to request a deferment for that month. I'm not even sure if usauto reported my payments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, sent letters with no third-party involvement regarding inaccurate and unknown things on my credit report. I sent out letters in XXXX which has now been will over 60 days now and there's still no response. I feel like I am being taken advantage of and being ignored of my disputes. I've been patient on a response and now I demand these items be deleted immediately. My information was impacted by the XXXX  data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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 this creditor ( XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: TN
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 XX/XX/2021 I mailed in a dispute certified mail to Equifax that was received on XX/XX/2021 at XXXXXXXX XXXX confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 
In this dispute Equifax was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX As of XX/XX/2021 Equifax has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: WA
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:
Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a forbearance plan last year that SPS was offering due to covid. We made some payments during the plan but owe XXXX dollars. We applied for help in XXXX of this year and submitted all the documents they requested. On XX/XX/XXXX we recieved a letter of denial for all there programs. I'm not sure what to do now. I was under the understanding they were going to help people at the end of the forbearance to get back on track. What is the purpose if your expecting full payment of all money at the end of a forbearance. How is this helpful. I thought this was helpful of the company, but in the end I could lose my home of almost 24 years. You can't speak to anyone in authority. I've asked for a supervisor or manager while going through this process and was told they were looking at the paperwork but I never spoke to anyone other than the people that answer the phones. They just say they don't make the decisions. Please help me figure this out. I don't want to lose my home. I could try to make a larger then normal payment but I don't know if it would help in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 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 XXXX XXXX XXXX, {$23000.00} XXXX  XXXX XXXX {$260.00} XXXXXXXX XXXX XXXX, XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is incorrect, addresses, phone number, and employer are all incorrect, and I tried disputing the information multiple attempts with no response.

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 2018-05-03
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An unapproved insurance service called Home Depot Balance Protector was added to my account without my knowledge or permission. I called on XX/XX/20 and canceled when I discovered the error. I was told that a refund in the amount of {$3300.00} would be returned to me within thirty days. I have called the Home Depot Balance Protector contact center on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time I speak to a specialist, I am told that I will receive a follow up by mail within thirty days. I have not received a refund. I expect to be refunded due to the unauthorized service that I did not add to my account.

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