BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call from my mother stating that she received a call from a debt collector and they divulged information that I owed a debt. This took place on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Trident management never sent me a notice to settle or any communication before they put this debt collection on my credit report XXXX charged off for a credit card thats not even on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Hillcrest Davidson & Associates
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: GA
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 am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then June 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( XXXX, XXXX and Equifax ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX damage damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: PR
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 XXXX Accounts XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account 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 an account without my wrritten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX, Account # XXXX 15 USC 1681 section 602 A, 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 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have inquiries on my credit report that were not authorized.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-21
Company: Regional Management Corporation
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls to me and my references since XX/XX/23 thru XX/XX/23. Asked them not to call me or my references since loan is being taken care of by XXXX settlement company. I've offered to give them the phone number to call to verify with XXXX settlement company and they said they can't call them and they'll need to call them. The settlement company has sent letter to notify them of what is going on, but they continue to call. I've blocked there number and now calling from another number and leaving voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
It is unclear whether or not they removed the Fraud Alerts and Extended Fraud Alerts on my credit report. I have been requesting their removal too many times for them not to remove these Alerts. The alerts have been causing unnecessary challenges when attempting to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: GA
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:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a soldier in the United states XXXX and was XXXX. While XXXX got XXXX snd was sent back to recover.. upon returning I realized my XXXX XXXX XXXX  and chime cards wee missing. I dont remember if I took them with me on XXXX or not but while XXXX we used a different card called an XXXX XXXXXXXX XXXX which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted XXXX XXXX and filed a claim and so contacted chime to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in chime ans XXXX XXXX  as I have been with them for a long time. I expect them to do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, my full payment was taken twice electronically at Target Red card and when I called to have it refunded, I was told that I needed to conference call with my bank to receive a check in the mail. They would not electronically refund. They can debit and not credit? They clearly established my identity. Conference call? Really? This feels like a UDAAP violation. Are they doing it to collect the interest off the backs of taxpayers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit 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:
Synchrony Bank has NOT been willing to help us in supplying us with the Information that we requested ie A. When was the Pay Pal Card issued? As we have never had a PayPal Card B. When and where were the purchases made! 
C. Why even though we give the supposed account number, do we need to give our Personal information ie Social Security number, Home address etc D. After researching I have discovered that Synchrony Bank has had some major legal issues with underhanded debt collection in 2021 The Debt amount is according to the synchrony Bank is {$820.00} They have not responded to our inquiries 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: Applied Data Finance, LLC
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.

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 2021-12-07
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: Information belongs to someone else

Complaint:
I have unauthorized inquires on my Experian, XXXX and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order

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 2021-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX, XXXX, XXXX I disputed the following accounts directly with EXPERIAN for validation and removal ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time EXPERIAN responded, they CLAIMED they investigated the account and verified it but failed to provide me with the proper documentation necessary to validate such items, from my understanding if an item is not validated/verified lawfully within 30 days then the credit reporting agency must delete said item. But as of today XXXX each item is still being furnished unverified to my consumer report 158 days after my initial correspondence to EXPERIAN. I decided to take my dispute efforts to remove these items a step further and sent EXPERIAN a letter stating they violated the law because they did not have my written consent to furnish any information, as a result they ignored the law, cease and desist and affidavit of truth I sent and sent me back boilerplate notice that the items were verified. I didnt ask for verification in this particular dispute so that tells me theyve been completely disregarding the contents of each dispute and sending an automatic response. Furthermore I decided to do a UCC-11 search on myself to see if I did have any debt registered under my name, and the results directly from the Georgia Superior Court Clerks Cooperative Authority proved as of XXXX I have no records of debt registered under my name, therefore each account listed above is being furnished illegally and harming my ability to obtain credit.

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 2023-11-14
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
Cashed two checks at the atm and never got the money in my account. When I tried to call about it they told me there was nothing they could do and they couldnt give me the full ammount back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Complaint against PHEAA, my wages have been garnished since XXXX and my balance has never gone, sometimes it goes up and their collection fees are never paid off. They have not reduced my loan balance. I have paid over {$17000.00} and my balance has not changed, according to them I owe more now then I did XXXX years ago. I have been working for a non-profit for XXXX years but I dont qualify for student loan forgiveness because my loans are in default, the solutions they offer only takes my loan out of default and XXXX have to start over and pay for another XXXX years with + {$40000.00} debt going back on my credit report. No thank you. At this rate my wages will be attached into retirement. They are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After talking to all these representatives and given the run around, it looks like the Bank of America department that handles the Homeowners Assistance fund does not share any information with the Bank of America Home Retention Department. 

I applied for Homeowners Assistance Fund which BofA had to approve. Took BofA a long time to approve. Wasnt approved until I called I and was told oh this is a new program. 

Called in to find out about status of homeowners assistance fund and told they know nothing. But still insisted my deadline to sign deferral papers is XX/XX/2022. 

No options as to what happens if I sign deferral and BofA receives payoff from Homeowners Assistance fund. No option to extend the deferral date to allow them time to receive the payment. 

Conclusion : Bank of America is trying to get paid multiple times from multiple sources and to the not to help the consumer. This process is not fair to consumers. 




On XX/XX/XXXX spoke to representative named XXXX given no information about the mortgage assistance program. 


XX/XX/2022 XXXX XXXX-told they do not communicate with that department. And I needed to call HUD. I then asked to speak to manager. Said she would send a request XXXX XXXX. Asked to speak to a supervisor said she could not send a request to a supervisor but would have to send the request and needed to transfer the escalation person. Was transferred XXXX XXXX. 
XXXX XXXX Asked for a supervisor. Said she would sent an email to supervisor. 

Also they do not communicate with the BofA department that handles Homeowners assistance fund. And the Homeowner Assistance fund department at BofA does not talk to homeowners.

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