BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have a business credit card account on my personal credit report with balance of {$19000.00} and I have no knowledge of this account. I discovered it on XXXX XXXX have a fraud alert on my credit report so I don't understand how they approved this credit card. When I tried contacting them they stated that it's under a company name so I don't understand how it's appear on my personal credit report. It never showed up on my XXXX or XXXX only shows on my Experian credit report. I tried to dispute it twice and the result came back as accurate. How it's accurate and I have a fraud alert on my credit that no one can open any account under my name without asking me security questions. Please help me remove this negative account from my Experian credit report. 
Report # XXXX regarding Account name XXXX XXXX XXXX Account Number is XXXX thank you I really appreciate it all your help!

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-07-25
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I learned yesterday that I have had no insurance coverage on my condominium. I contacted my mortgage company and was told my insurance was not included in my escrow. I went home and retrieved my loan documents to confirm they were to be included. When I again contacted the mortgage company they basically said " yes, we screwed up but you should have caught it. '' I was never contacted by the lender, the insurance company or my insurance agent. My agent said he had never been notified by the carrier that the policy was being canceled, in fact when he looked on their website is showed the policy was active but when he called he was told it was canceled in 2019 for non payment. Now no carrier wants to cover me because of the lapse in coverage. My agent said he could perhaps get XXXX XXXX to cover me but it would be extremely expensive. Please help.

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 2023-03-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Credit Bureau information regarding my score is incorrect and not updated. I have submitted complaints and wrote letters regarding old accounts and addresses that should not be on my credit report due to the statue of limitation. Instead of correcting this, the organizing or perhaps the credit bureau have just put a more recent date to validated negative credit to stay on my account, but still should not lower my credit score by much, although it does. Moreover, will my payments on credit loans/cards are not updated thereby leaving my credit score low and credit usage high. Moreover, when I requested addresses to be removed I am refused adamantly and does not clearly give me any solutions to have it removed. I then search why and addresses associated with loans that are closed or banks that I no longer have access to to change or close to take an address off or the accounts are closed. I do not understand why this information remains on my credit report. Mainly, with an account that has surpassed the Statue of Limitation continues to remain on my report to keep my credit negative? I am asking this to be investigated. I did write in 2021 to CFPB for help and still the Credit Bureaus ignores and seemingly emphasis to keep my reports and will not update or remove negative information to increase my score. I have tried and am being accountable as best I can to do better and will do. However, if the Bureaus are allowed to ignore the law and keep individuals from having their credit better to do better. I asking for help, please. Also, after I have lifted my freeze from the XXXX as with the others I am finding out the freeze is not lifted, but will not give a reason why, just that if anyone wants to check my credit they have to call? Why will that happen, do I have the right to lift the freeze? And why are they requiring the potential loan providers to call when I lifted the freeze.

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 2023-10-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Since XXXX, I am no longer able to make payments online to PayPal Credit which is financed by Synchrony Bank. When I try to make the payment, I get the following error message : Sorry, there was a technical error. 

Please try again later. 

I have called Paypal and they insist only Synchrony Bank can fix the problem and Synchrony Bank insists only Paypal can fix the problem. I have had a conference call with Agents of both companies at once and both pointed the finger at the other and told me there was nothing anyone could do. Synchrony claims they can no longer see my linked bank account but this bank account shows as linked through PayPal. PayPal unlinked and then re-linked the account to no avail. I have tried different browsers using desktop computers and I have tried the mobile app but nothing works.

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 2020-06-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
None of your listed issues is are applicable. I received a deferment on my mortgage. I was never delinquent. It was a CARES deferment. 

I saw on my credit report a notation from the mortgage company stating i was experiencing financial hardship. Is that permitted under the CAREs act??

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number 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 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.

These inaccuracies are stopping me from getting a house for my family.

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 2023-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A check was sent on XX/XX/XXXX in the amount of {$4300.00} electronically from XXXX XXXX XXXX. It was not applied to my account until XXXX XXXX 
I was charged a total of {$1100.00} in finance charges and late fees. Comenity bank has issued me credits amounting to {$450.00} which if {$730.00} short. 
I would like {$730.00} paid back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX  is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 called to verify a debt XXXX that was on my credit at one time {$630.00}. But it is no longer on there. I disputed it before and found out the debt was sold to Midland Cred. I  called today on XX/XX/20 and Midland Cred told me I was not obligated to pay. I told them what of I wanted to pay the {$630.00} in full today. Midland Cred stated I was not obligated to pay anything due to the account was closed. The company stated they will send me a No Obligation Letter in 7- 10 days. I told him I needed the letter asap could they send it another way. They stated mailing was the only way. I told him I need the letter asap to give to my employer. They stated I could place my employer on my account so they can access it. So I placed my investigator name on account so she can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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

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 2023-03-04
Company: Experian Information Solutions 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:
Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: HI
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:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. To whom it may concern my name is XXXX XXXX XXXX I was a victim of the ravages of XXXX.I was hospitalized for an extended amount of time, while I was hospitalized with XXXX, an agreement was made with the XXXXXXXX XXXX under the Cares Act, therefore the account was never late.Please remove all late payments from this account, and please also send me out a corrected copy of my credit report to the address listed below

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX is a third party debt collection agency. I do not owe them money, nor are they reporting that I do. However, as previously stated in my complaints, XXXX XXXX XXXX has viewed my credit four times in the past year. 

I filed a complaint with the CFPB regarding this issue. I received my XX/XX/XXXX, report from Trans Union and discovered XXXX XXXX XXXX is still reporting inquiries. I believe this makes their actions malicious.

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 2023-07-11
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I disputed a collection account posted to my XXXX credit report XX/XX/2023, by Phoenix Financial Services LLC ( Acct XXXX XXXX ). 

I received notice by mail from Phoenix Financial Services on XX/XX/2023, claiming I allegedly owed Phoenix Financial company {$1800.00}. 

XX/XX/2023, I sent certified Validation Request to Phoenix Financial Services. Phoenix Financial Services received my certified letter XX/XX/2023. I explicitly instructed Phoenix Financial that I was disputing this claim and they were not to report this account as a collection account while this dispute was pending. 

XX/XX/2023, I reviewed my credit report and found that Phoenix financial had gone ahead and reported this disputed account as a collection account to my XXXX credit report. 

XX/XX/2023, I sent second certified Notice XXXX FDCPA Violation to Phoenix Financial Services LLC. Phoenix Financial Services received this letter on XX/XX/2023. This letter informed them that they had violated the Fair Debt Collection Practices Act by failing to respond to my Validation Request and by posting this disputed collection account to my credit report. I further instructed them to remove this collection account from my credit report and discontinue all collection efforts. 

As of this writing, XX/XX/2023, this account is still showing on my credit report as of collection account and I have received NO to written response from Phoenix financial and feel they are now in violation of FDCPA. 

I am requesting assistance from FCPB to help clear this from my credit file and file formal complaints against Phoenix Financial Services. 

Please note, I have taken steps to secure legal representation for the purpose of pursuing damages for what I consider a blatant misuse of our credit reporting system and violation for the FDCPA. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I pay the. Mortgage the last week of the month. This company starts calling everyday all day after the XXXX. They have no respect for my work when I tell them I'm with a client. I have to hang up on them. I have never missed a monthly payment in the month. Now it's 25 days in I get a letter I'm delinquent and they added additional fees outside of the {$50.00} late fee.rhis This is a strong arm tactic. You can even report until you are over 39 days late. Is this legal when a late fee was established. This is occurring because I don't answer calls. Ic they can just add crazy fees how are individuals protected

Company response to consumer: Closed with explanation