BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I fell behind because of Covid. Then coming out struggled with all the other bills as well. From forbearance there was a modification agreement being made and every time 5 times now. The documents were either not sent to all parties involved. Not sorted properly by freedom this ranges from XX/XX/2023 until present however the notarys that freedom sent out did their jobs to the book and still after sending them in. Documents on freedom mortgages side were miss handled or miss placed So finally I asked for the documents to be sent to all three addresses. They said fine. Only 2 would get sent out. This last time. Nothing was sent out. But now they took me off of the modification. Countless communication and still no results. Or I get answers after its too late Now with no where near what I owe my whole family is at risk of losing where they live. All record of communications are in freedoms possession

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
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 ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for Equifax and XXXX. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NC
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've been calling for days to dispute a charge on my Comenity Bank ( XXXX XXXX ) credit card. The last time we used this card was in 2017. I have not been able to speak with a rep about disputing the charge, I'm on a never ending hold. I've spent over 4 hours, and all agents are busy message. I tried going online to resolve and the XXXX link for Comenity Bank ( listed on my bill ) doesn't work. When I go to Comenity Bank and try to navigate to XXXX  XXXX I receive a 404 error. 

This happened last year, someone intercepted a coupon in the mail from XXXX XXXX. What's unbelievable is, my XXXX XXXX credit card # is on the actual coupon. What kind of security is this? Assuming someone at the store would ask for an ID. After finally reaching someone at Comenity, they agreed this is a known issue and " has happened more than a few times before ''. Also, please review the attached file, only the last 4 digits of my account # are listed on the top of my bill. If you go to the bottom, my full account # is visible should someone intercept my mail. The card does not have an expiration date, CID, or chip to protect consumers. My card was cancelled after another hour on the phone, so Im not worried about sharing my card # with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Colony Brands, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX XXXX after reviewing my credit report realizing that they reported a XXXX charge off under my SS number. I explained I never had an account with them but did recently open an account with their sister company XXXX XXXX. I advised them to remove it and they told me that it USED TO BE in my name. I asked them what USED TO BE IN MY NAME MENT. They said the name on the account was changed but my SS # stood and if I wanted it changed I had to get this person to write a statement excepting responsibility IF NOT the charge off would stand in my name ... I told them the bottem line this acct had nothing to do with me, was never signed by me, never requested by me ... My question is if I really had a charge off with XXXX XXXX, would their Sister Company recently open a brand new account with XXXX XXXX ... Absolutely not ... I beg XXXX XXXX to correct my Credit Report and perminately remove this account from my Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: MO
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:
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 Account 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 2023-01-23
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Care Credit XXXX bank I paid the full amount never missed a payment my total was {$400.00} they decided that they will charge full amount on the entire amount of XXXX balance. It doubled my amount owed to XXXX dollars ....

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 2023-09-22
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 is missing that should be on the report

Complaint:
My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX Bank and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, Equifax, XXXX ) I also wanted to mention I have added my husband as an authorized user ( XXXX ) on this same account and also for him this card is not being reported on his credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: MO
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 have been offered a car loan multiple times from XXXX XXXX and have been turned down multiple times and they keep pulling my credit report and the inquires keep showing up on my credit report even when I turn it down or say no. 
I can't upload the needed documents for all whom have put negatives on my credit report and or XXXX XXXX because the drive that it was saved to on my phone was deleted and not by me.

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 2019-05-09
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
FORD MOTOR CREDIT HAS REPORTED A CHARGE OFF ON MY CREDIT REPORT FOR A CAR LEASE I WAS NEVER LATE ON IN FIRST PLACE ... The Ford issue is still bugging. The lease there I paid every month w/o delay until the end of the lease. Then we run into a heavy disagreement for charging me for the electric cable ( and other charges related to overly wear and tear of the car ) which I had returned to the dealership. The dealership promised I would not have to pay, but then they did not work it out with Ford and I was left in the doldrums. My only motivation to pay an agreed sum in the end was to get this off the report. FWIW I still have the message from the dealership that I dont have to pay anything and they take care of it on my XXXX XXXX. This entire interaction was so painful and disrespectful that I will never deal with the dealership nor with ford ever again ( i had always owned at least one ford car up to that point ... ) .The sticking point was the cable I had returned and ford credit still insisted on charging me on grounds of a late return. This bullying I could not accept but - frustratingly - also not escape.At least I hope the credit reports can state the reason why I dispute this and that the company refuses to remove the item from the report despite my conditional settlement ( even though this was with third party - the agency or lawyers they instructed to go about delinquent accounts. But they hired them and it is another negligence of communication on their part if my condition has not been communicated ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax continues too say that the inquires are factual and will remain for XXXX years but does now show how and when it was investigated. 
Please provide written proof that these inquiries were mine. If not please DELETE as I did not authorize them. I also contacted the companies and was told too contact Equifax for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-09-22
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
An account for XXXX XXXX is on my credit report. I did not open this and it is affecting my credit score. I have contacted the company and they have stopped it on their end but advised that I contact you. Someone is using an old name of mine, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX Tx. There are renters in that house and they are most probably using old advertising with my name on it that was in the mail box. I have long since changed my address.. I don't know who these people are. Please help me to repair my ruined credit score which by the way dropped XXXX points in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every time I use my debit card or make a payment it goes so long to go through and then it will seem like I have enough money in the account and then all the sudden it doesn't. I feel like they've been taking money out and I can't keep up with it because it goes so slow to go through

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 2023-03-10
Company: EQUIFAX, INC.
State: NV
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 : 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent Outsourcing has put a collection in the amount of {$2600.00} by XXXX. Please note this is not my account, I do not have and have not had XXXX I have not received any form of letter or notification from this company so I can prove or validate this company. I first found out about this account when I received a credit alert, which prompted me to freeze and lock my credit profile on an already extended credit alert that I added to all 3 of my credit profiles to avoid issues and misreporting information as such. I contacted this company on XX/XX/XXXX inquiring about this account and the representative appeared to not have no information for me or on me. But yet proceeded to ask me several questions to search for an account they put on my credit report that she could not find in her system. This account was fraudulent and bogusly put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is charging a fee that I was never properly notified nor did I agree. This was a free account. I have a 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