BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 purchased tickets to a concert in early 2020 through XXXX. The band postponed their show due to covid and announced ticket buyers could get a refund at the point of purchase. XXXX refused. 

I contacted American Express about this and other concerns and discussed dispute options. 

The American Express employee told me that usually disputes have to be made within 60 to 90 days, but upon discussing COVID delays and its related postponements it was discussed that some events are being pushed off by months and even years. 

The American Express employee told me not to worry, that even after years, the company would allow me to dispute the charge of something came up. 

Well, many things came up and I went to dispute the charge on XX/XX/XXXX and I spent 5 to 6 hours dealing with phone and chat Amex employees and they admitted the prior employee told me I WOULD be able to dispute it later, but told me that was a mistake and they won't honor it now. 

I spent substantial time escalating the matter and offering compromises and proposing ways they could fix their mistake. The company refused while repeatedly lying to me and providing seemingly intentionally bad, scripted, and evasive responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Bread Financial Holdings, Inc.
State: NV
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 have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX, XXXX, and XXXX XXXX XXXX. Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last three months, our mortgage lender is applying our monthly payments to escrow in error. This is 100 % their error. Each month we call and speak with them. After a few weeks it is resolved. However it did hit our credit because it was showing as being delinquent on our payments for 3 months. Ditech has been completely inept in handling this situation and it continues every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Resource Management is illegally reporting an alleged debt to XXXX credit bureau. I have never had any affiliation with this company and I was not notified prior to the account showing up on my credit report. I called the company to request contracts or documents showing I am responsible or affiliated with this alleged account. I have requested the account be removed from my XXXX report and XXXX responded verified by allowing the account to be reported. Also, this negliance is a direct violation of the following laws under the Fair Debt Credit Act : 15 USC 1681 ( c ) ( a ) ( 4 ), 15 USC 1681 ( c ) ( a ) ( 5 ), 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), 15 USC 1681n ( a ) ( B ), 15 USC 1681o ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: United Shore Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive been calling since XXXX to have the grant I was approved for processed to my account to bring it current. The grant program has confirmed payment was sent since XX/XX/XXXX. They then confirmed it was sent to my mortgage service again on XX/XX/XXXX. I called today to check the status and was told by UWM that they havent received the payment yet. However they sent me a notice stating that if they dont receive the payment by XX/XX/XXXX they are starting foreclosure proceedings. On XX/XX/XXXX I have had a rep three way call the grant program to confirm they sent the payment but it still has not posted to my account yet Im getting notice after notice about my delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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: Account information incorrect

Complaint:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

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 2024-01-09
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: Public record information inaccurate

Complaint:
I am writing to challenge the presence of this bankruptcy on my credit report. The filing and reporting dates, as well as the closing dates, do not match. This is a cause for concern as I have a court letter clearly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party compounds the absurdity of this situation.

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 2023-02-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? NO, I did not. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 15 USC 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

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 2023-02-14
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for 2.5 years since the day we moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 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 2022-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX. XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX  does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023, I sent XXXX a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. XXXX responded the items were verified, I never asked for a investigation I asked for the accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023, between XXXX XXXX and XXXX XXXX, we were at the Macy XXXX store in XXXX at XXXX / XXXX location shopping for dresses for my son. 

My husband is already an Macy 's Star rewards member. 

The sales associate who was checking me out, deceptively collected my SSN and had me sign a credit card application form that I am not in need of. She said she will give me 25 % discount if I provided my social and click agree on the display. Despite repeated enquiry as to why it is needed, she kept pushing me that it is for my benefit and that I will be getting discounts.

After the checkout, the sales associate when she handed me the Creditcard booklet is when I realized that she applied for a new Macys Star Rewards credit card. When I confronted, she tore off all the paper documents and put them in trash and did something in the system and said that she voided all of her actions with no impact and she asked me not to share it with anyone. It is apparent that she made the choice for me and she did not let me choose what I wanted to do in this case. 

A few days later, my XXXX report said that there was a credit hit on my profile.

I did not expect the practices to be deceptive from a company like Macy 's.

Attaching herewith the receipt of purchase. Please note that the card number in the receipts and the new card that was applied for are not the same.

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 2022-05-05
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Pacific Retrieval LLC sent me a notice in the mail stating that I own money to a towing yard on a vehicle I do not own. They stated that I did not file a XXXX  when I did and contacted the DMV to verify which they did. I sent the debt company my copy of the XXXX they saiid they would not except it and they would then be taking legal action and that I did not know the laws. My wife talked with they lady and she said that my wife was trying to pull a fast one on them and that they do not play games. The lady was extremely rude and when I asked to speak with someone else she just left me on hold. I then called the DMV again and they told me that the company was only trying to get the money and that the car is registered to someone else and to complain about the harassment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have an Ann Taylor XXXX account. Unbeknownst me, I was not aware I was delinquent on my account as I never received notification from Comenity Bank and or Ann Taylor XXXX by mail. Upon hearing a voicemail message from XXXX Bank in XXXX I returned the call to inquire on the amount and speak with a CSR. I paid the amount on the phone and advised the CSR I never received notification in the mail of the latency to my account. The CSR stated they do not send notifications by mail as I was on paperless invoicing. I advised the CSR I never signed up for paperless invoicing. Fourteen days later, I received an update from the credit bureaus showing the 30-day delinquency and my limit had been drastically reduced. Of my having this account since XXXX I have never been late. I spoke with a supervisor on XX/XX/XXXX to inform him I never signed up for paperless billing, I was never properly notified of said delinquency as sending emails does not support delivery, to reinstate my credit limit, and to remove the 30-day reporting from the credit bureaus. The supervisor stated they could not remove the reporting as I would need to contest it on my end with all three bureaus. Supervisor further stated he could request a credit increase but that would be pending approval. I told the supervisor that was unacceptable as the error was on their end and not mine. I informed the supervisor I would be filing a complaint with the CFPB to get my concern resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I requested validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. The original creditor XXXX XXXX XXXX was also notified by the collection agency of my dispute. I received two letters ( the second letter was the exact same as the 1st letter ) from XXXX XXXX XXXX XXXX XXXX obtaining billing statements and medical information that did not include a HIPPA release form with my signature. This is a 3rd party company and I have not consented for them to have an itemized list of my medical information. I requested for the late payments be deleted from my credit report by Experian, but they have yet to do so. Experian has not responded within the lawful 30 day period of their investigation of each disputed item. 

On XX/XX/2020 I requested by mail validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. There are negative comments and late payments on my student loan that have yet to be validated or verified. I have not received a response within the lawful 30 days from XXXX XXXX XXXX XXXX XXXX nor from Experian regarding this matter. I have sent non response letters to both XXXX XXXX XXXX XXXX XXXX and Experian regarding this debt.

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