BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Name is XXXX XXXX. This complaint is with Comenity XXXX  XXXX  concerning finance charges on an XXXX XXXX XXXX Credit card ( account ending in # XXXX XXXX. See attached document for detailed information and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # 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 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 2023-10-02
Company: Data Mortgage Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I am at the end of my rope with Essex Mortgage. As previously described in previous reports, I was in the middle of forbearance during the servicer switch. The new servicer has tried multiple times to change my loan terms without my written consent, and the reduced payment I have been making since XX/XX/XXXX has continued to be recognized as a partial payment. I never had a problem with that with the old servicer. My funds were applied correctly. On the phone, I have been told I owe {$1200.00} a month, not {$1200.00} a month, but I will not be paying this until I get this loan term in writing. They have told me over the phone I can pay the {$1200.00}, but they fail to follow through based on the statements I have been getting in the mail. I have been promised paperwork laying out these terms for months now, but I continue to receive a loan modification application -- which I do not need to fill out, since the company should have the proper documents from the old servicer. 

Additionally, Essex Mortgage has not been honoring my deferment terms set by the old servicer. They have been applying my payments to my past due balance -- which is not how my payments should be applied. Due to the fact that I have an FHA loan, I DO NOT owe the amount deferred during the months of XXXX XXXX to XX/XX/XXXX. My payments should continue being applied to my principal balance -- NOT my past due balance. Payments I have been making have been applied to XXXX XXXX, XXXX XXXX, etc., not the present time. I went under an FHA deferment plan ( verbally over the phone ) back in XXXX of XXXX with the old servicer, where the amount I owed went to the back of the loan at zero percent interest. The new servicer doesn't seem to understand this and continues to send me letters saying I owe the amount of $ XXXX XXXX XXXX XXXX I can not and will not pay this full amount due to the FHA terms. 

Essex Mortgage continues to push the legal threshold of what they should be doing as a mortgage servicer. I will continue to report them until someone looks into this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Great Lakes ( Dept of Education ) XXXX Wisconsin about Negative info placed on my credit report. I presented my specific financial circumstances also. I also mentioned that they were violating the CARES act related to COVID19 irelated to not reporting negative info on credit bureau reports from XX/XX/2020 to XX/XX/2020. Great Lakes has reported negative info to all three credit bureau instead of indicating that my account current, they have reported it as derogatory which has been devastating to my credit score. 
I was set to make a major purchase at the end of XXXX but now that can not happen. This affects my livelihood significantly because now I wont have transportation for My son to go back and forth to school. He is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-05-25
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Both my checking and savings accounts were stolen in addition to my XXXX accounts. I need to get my outstanding debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is incorrectly reporting my credit score to XXXX XXXX, XXXX  and in general. My debt to income is in good standing and when the other credit bureaus went up 16 points when I paid off a credit card Transunion went down 16 points instead. This is negatively impacting my Tranunion credit score as it is incorrect. Also all Transunion staff is offshore very hard to get them to get understand the problem.

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 2020-08-18
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-07-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The following laws have been violated by XXXX : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Exchange Finance Company
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have asked Exchange Finance to Validate the alleged debt they keep calling stating that I owe and Im not getting any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2022-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a credit card offer in the mail. It said if I opened the card and spent {$1000.00} in 90 days that I would receive {$150.00}, which would be paid as XXXX bonus points. I opened the credit card in the branch on XX/XX/2022. I completed the required transactions in XXXX. I never got the points. I have called the bank three times with no assistance! 

I believe that Fifth Third is committing Unfair and Deceptive practices for mailing out credit card offers and NOT fulfilling the bonus offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-04-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently sent a 2nd letter to XXXX asking them to investigate a negative Item on my credit report from Credit acceptance, in the letter as well as a wet signature from XXXX stating that they Received the letter ( I never received it ) the letter stated that XXXX XXXX was not a form of real investigation. I also reach out to credit acceptance asking them to close and delete this negative information as well from my credit report. I received a miscall from the company that led me to call them back in hopes that I would speak to someone about this matter, I ended up leaving a voicemail that I did receive a call from them to please call me back and they never did. Credit acceptance made a statement to your company that they called once and never got in touch with me, that is a lie being that I called back and left a message with XXXX XXXX XX/XX/ as well as sending her an email back on on XXXX she never responded to the email either. I am asking that I get a fair response about this matter and have it permanently removed from my credit report being that they can not provide me with the information that was stated in the letter that I sent off. I am reporting both XXXX and Credit Acceptance for not following through a proper investigation.

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 2019-02-11
Company: EQUIFAX, INC.
State: TN
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:
FOR YEARS XXXX has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to XXXX during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM! 

Apparently, I had an account with XXXX XXXX ( XXXX ) and it contains minute residual funds. XXXX apparently acquired XXXX in a merger/hostile take over which gave them access to my identifying information. Instead of XXXX sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and Equifax. The reason is that the name used ( XXXX which as a woman and a XXXX I've never actually used ) is only shown on my Equifax report and Equifax was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2020-08-18
Company: Aldous & Associates, PLLC
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 status incorrect

Complaint:
I paid in full for Aldous and Associates, PLLC, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to Aldous and Associates, PLLC, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter. 

please find the attached file and remove Aldous and Associates, PLLC collections from my credit report. 

i lost my current job and need to vacate current apartment by this month XXXX th, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation. 

please helpme

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation