BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: RI
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting an unauthorized inquiry from a company I have not done any business with called XXXX XXXX XXXX. I reached out to equifax to remove the item with no avail. Date of inquiry was XXXX 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Bread Financial Holdings, Inc.
State: NY
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:
Victoria Secrets financial institution of choice, Comenity Bank, has reduced my LOC 2x ( LOC reduced XX/XX/2023 from {$630.00} to {$550.00} and in XXXX from {$550.00} to {$400.00} ) within 6 months of each reduction, significantly lowering my score each time. Ive not paid late on the account for at least 2 years, IF EVER AT ALL, for the duration the acct has been opened. Im very concerned that this action is aggressive and excessive in nature, without warrant, and is undoubtedly and adversely affecting my ability to obtain other ccs; appearing unfavorable to other cc companies, causing undo financial harm.

This appears to be a trend for this financial establishment as there are countless reviews on several platforms of individuals expressing the same treatment. Its a counterproductive effort because Im paying the card minimum balance monthly and refuse to pay more than minimum considering the egregious treatment. Reducing my LOC to almost near what is owed is increasing my credit usage percentage, thus causing a significant decline of my credit score significantly each time the LOC is reduced. Im curious as to how this benefits either party especially if Im paying at least the minimum balance each month ( creating more interest on my part this benefiting Comenity ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was rated by the XXXX in 2008 to be XXXX with service connected problems received from service in XXXX. I had to shut down my construction business of 35 years due to medical problems. Right about then the economy went bad. Wife and I lost all of our savings and almost out home. Had a mortgage with XXXX and it was sold to nationstar mortgage. We thought B of A was bad until trying to get a loan modification from nationstar! These people should be in prison- what XXXX We went through all the making homes affordable deal, and they set us up with XXXX XXXX Counseling Service. After submitting all the modification papers to XXXX they sent a letter to nationstar recommending a modification! They along with us sent all the papers to nationstar- which they lost after months of waiting. We sent more updated copies to Springboard and nationstar and after months of waiting they lost them again. We submitted more and more copies over the period of 2 years only to be asked to send more. These people are the most incompetent crooks I have ever dealt with. They kept giving us a new so called- " dedicated loan specialist '' every few months. You could leave messages to these jerks forever and never hear back. I was told 2 times by nationstar people that all papers were complete, and they would have a decision for us soon. Only to be asked for more papers again. My story with them could go on for hours, but must stop. We finally gave up, and filed a complaint with my local congressperson. It helped a bit, but then once again the request for the same submitted paperwork. We have completely given up all hope of dealing with them. They know I am XXXX, and that we are struggling. That 's why they will continue to torture you until they know you will give up. What is our once great XXXX coming to when a company like nationstar ( I refuse to capitalize their name ) can treat people like this, and get away with it. The very people you they make a living off of- so they can pay their greedy CEO millions of dollars a year in bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on or about XX/XX/XXXXXXXX XXXX XXXX XXXX an application was submitted online through American Express for the American Express Gold Card. For reasons outside of this matter a credit freeze was in place with the 3 consumer reporting companies. XXXX, XXXX and XXXX. During the application process XXXX, the applicant/consumer was " FORCED '' to allow American Express be given access of the reporting agency " XXXX '' doing business as XXXX. NO-WHERE on XXXX website does it state it is a consumer reporting corporation. In actuality under its Licenses and Disclosures link it gives actual statement of the companies true nature. Not Once! does it claim it is a consumer reporting company but actually states it is a XXXX XXXX XXXX. This is Fraudulent and Deceptive practices by both companies and I have certified mail receipts that American Express has received my dispute over this and other items related to the intentionally misrepresented credit application. In my letter I supply evidence of this numerous incorrect assumptions, presumptions and the true nature of the credit process. I demand that American Express correct this application of which is identified as application ID # XXXX. and for American Express to correct this unlawful decision to deny the issuance of my lawful right to credit under the acts, codes and federal regulations that protect and guarantee my lawful demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX, I took a cash advance for {$9000.00} with a 0 % APR promotional interest rate offer through XX/XX/2024. I was charged a 5 % origination as outlined in their terms. 

On the following month 's bill ( XXXX ), I paid the balance for all new purchases. Then the month after that ( XXXX ) I was charge {$170.00} in interest. 

Chase Bank 's terms state : " If you take advantage of this promotional offer, interest will be charged on new purchases unless you pay your New Balance ( or Interest Saving Balance, if applicable ), including any promotional balances added by using this offer, in full each month. If you have a promotional 0 % APR on purchases, you will not be charged interest on new purchases as long as the promotional Purchase APR is in effect. '' I contacted customer service by phone and they told me that I was charged interest for the new purchases. This is in violation of their terms above. The phone representative was unwilling to advocate for me. 

I followed up with an email. The response from the representative was the same and ignored my concern regarding the violation of their promotional cash advance terms. 

Given that I am likely not the first person to have this problem, I recommend that you investigate my complaint and inquire Chase with regard to how they are implementing their promotional 0 % APR cash advance terms..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar has a sale date on my home for XXXX XXXX, XX/XX/XXXX the Notice of XXXX was filed illegally with the wrong amount on it. The past due amount we were given was {$230000.00}, the Notice of Default which was filed 5 days prior the amount was {$310000.00} there was a XXXX difference increase without any justification. We challenged the validity of the debt which was never resolved, our loan was transferred by XXXX XXXX XXXX without a decision for 3 years to Nationstar, we filed a complaint # XXXX on XXXX/XXXX/XX/XX/XXXX The Notice of Default trustee was XXXX XXXX XXXX XXXX. The Trustee has changed to XXXX XXXX XXXX XXXX XXXX XXXX without any notice of a change of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ok midland credit management has been contacted multiple times on my behalf to provide the original contract on the debt they say I owe i am going to say this for the last time if credit management doesnt provide me with the original certificate of indebtedness and the contract with my and their signature I will take further action I am right now putting midland credit management on notice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar acquired our mortgage from XXXX in XXXX 2014. They told us since it was an acquisition loan, that we had a 60 day grace period before making our first payment. Now they are writing us telling us that we have to pay those two months that they previously told us we had the grace period for. When I finally got someone on the phone who was willing to help me, she said she apologize, she see we was told that, but we have to come up with the money. I feel like they are bullying us, not holding up their promise, and just overall unprofessional, unorganized, and uncaring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MD
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:
According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}

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 2015-05-02
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is in reference to case number XXXX. The Trustee for Nationstar Mortgage XXXX And XXXX XXXX, has made the sale of my house public. The publications from XXXX different Attorney are attached for your perusal. I called Nationstar Mortgage yesterday, XXXX XXXX, 2015 and I was told that my HAMP Loan Modification is under review. The lady I spoke with, XXXX XXXX also acknowledge receipt of the XXXX page documents I faxed to Nationstar. These documents were asked for by Nationstar in order to proceed with my HAMP Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All three Credit Bureaus ( XXXX, Equifax, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX # XXXX The above account names has violated my rights 15 USC 1681 section 602A 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 an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 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 calls to believe that the information is an accurate

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;

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 2023-09-15
Company: Experian Information Solutions Inc.
State: LA
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 kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-02-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, someone stole my identity and opened an XXXX XXXX account in my name, at my old address, after I moved in XXXX. I contacted XXXX XXXX and they couldn't even find an order, so I don't think an order was ever placed. All the correspondence looked fake. Comenity Bank was the bank listed, and I contacted them. They sent a letter saying they were investigating my claim, back in XXXX. I continued to receive bills from Comenity for a while, then it finally stopped. I never opened this account and never purchased anything from XXXX XXXX. Comenity wanted my social security number and I refused to give it to them. I don't even know if this is Comenity or an impersonator. At XXXX point, they even called my nephew. I consider that a breach of privacy and an harassment call. I reported all this to the FTC ( which later closed my account ), to the 3 credit bureaus ( XXXX, etc. ), to the XXXX XXXX, and to the FBI. No one has done anything, so I thought the matter was closed. Yesterday XXXX, I received a letter from Comenity saying they had turned my case over to a collection agency, XXXX XXXX XXXX in XXXX, GA. I never opened this account and don't owe anyone any money. I never lived in XXXX but found this address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and told them it wasn't me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: DISCOVER BANK
State: OH
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 customer service

Complaint:
On XX/XX/XXXX at roughly XXXX XXXX XXXX XXXX was talking to a person from Discover. The phone number was ( XXXX ) XXXX. I asked for a XXXX XXXX instead a gentleman said he was not available he would help me. I explained to this gentleman that I received a offer from Discover to settle my account with Discover for 60 % of my total balance. We spoke about it I asked him to speak to manager he put me on hold for long time. He then came back on the line said he could not find manager but he would settle for XXXX XXXX I said I would go ahead and do that he disconnected the line. The line went dead. He hung up on me. None the less when I called the same number back. The guy hang up on me who answered the phone again. They hung up on me twice when they said yes. The first gentleman told me he was writing up deal. He would be back with me. Instead pretended like we disconnected. People get into financial trouble but to be treated like this is unacceptable. Please honor your deal you said the call was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: IA
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. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was called last week by a executive names XXXX claiming to be returning the fee I paid XXXX back to my account, it has not been sent back

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 2022-03-01
Company: Experian Information Solutions Inc.
State: NC
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 have tried many times to disputes this bankruptcy and accounts that are on my credit, I filed a complaint in XXXX because I hadn't received any responses from Experian that they claimed they had sent. They also claim to have verified the XXXX through another company which can not be accurate because my 3rd parties, such as XXXX are all frozen.

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