BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: First Technology Federal Credit Union
State: GA
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:
On XX/XX/2020, my First Tech Credit Card was charged for XXXX with two transactions made at XXXX XXXX in XXXX. I've never visited this place and I don't recognize this process. So, I opened a claim request with the FT and they have declined with : " We have reviewed the disputed items you submitted on XX/XX/2020 in the amount ( s ) of {$190.00}, on your First Tech credit card ending in XXXX. Unfortunately, First Tech is unable to process this claim, Claim Number ( XXXX ). " I'm not responsible for those transactions and I don't see why I need to pay for that. The Bank is also declining to share proof that I did the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. 

I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. 

I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. 

The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. 

The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that 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
Consumer complaint received 2023-10-11
Company: Self Financial Inc.
State: MA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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. 
On XXXX, XXXX SBNASELFLNDR Reported to XXXX that I had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bread Financial Holdings, 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:
Hello there, So on XX/XX/2023, I received notification from my bank and XXXX XXXX app stating you had a single hard inquiry on your XXXX credit report, and while I opened my credit report, I saw there was one hard inquiry from COMENITYCAPITAL/SEPH on XX/XX/2023. When I XXXX it, I found this is the Sephora credit card, but I never applied for this card and have not even applied for any other credit card or loan since last 6 months. 
So please dispute it and suggest to me what to do about this theft of my personal information. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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: Account information incorrect

Complaint:
They sent me an alert saying one of my accounts was reported late. When I finished reading all my alerts and went back to read it again they were gone. I DID NOT DELETE ANY ALERTS BUT THEY DID WITHOUT MY PERMISSION. 

I HAVE NO LATE ACCOUNTS SINCE XXXX 

I tried to call them at the number given on their website but no-one answered the phone. This is the phone number I called 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 explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
Experian contiunues to defy authority of CFPB and US Government in refusing to address issue raised of its false and inaccurate calculation of revolving utilization ratio and credit score. 

To be crystal clear, NO sources of information outside of Experian are under dispute, and NO authorization has been given by myself to initiate any dispute on any sources of information or any individual item on the credit report. 

The ONLY investigation authorized is internal procedures using accurate data where Experian is inaccurately calculating utlilization ratios and credit score, resulting in false reporting of both revolving credit utilization ratio and credit score data. 

Any attempt to address any subject other than stated above would constitute a criminal attempt of Obstruction of Justice under Federal law

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 2023-07-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
this is the letter that was sent by USPS on XX/XX/XXXX Dear BNY : Mellon : Debit Card Number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX I made the debit card dispute on XX/XX/XXXX five days after XXXX XXXX XXXX XXXX XXXX XXXX said he the debit will be showing up in my debit card account soon. Finally, 17 days later a temporary credit of {$830.00} was sent back to my account. Then on XX/XX/XXXX the {$830.00} was sent back to XXXX XXXX XXXX. Now on XX/XX/XXXX I get a letter stating that I did not sent them a letter explaining my dispute. I was never informed that I was to do that in anyway. As a matter of fact, I gave Fidelity the story my on the telephone when I made the dispute/complaint. This was the complaint I already gave Fidelity. I had an accident on XX/XX/XXXX. I am truly very disappointed in myself, even though I I think the parking lot owner is liable. But that is for a problem with a different agency. After going through numerous auto body shops trying to find the right trustful, at the end my days venture I decided one recommended by The XXXX XXXX XXXX XXXX XXXX XXXX. I thought I should trust them knowing my XXXX  is owned by. XXXX. So, the place is called XXXX XXXX XXXX XXXX and the person I talked to was XXXX XXXX and said to myself if XXXX says he is o.k. then he must be o.k. So I Agreed to the down payment of {$830.00} to confirm the appointment to drop off on Monday XX/XX/XXXX. So, when Monday came we said our hellos and he wanted me to sign a paper that says there are dirt stains on all four of my seats. He also wanted a copy of my driver 's license when I said what for he said for insurance reasons in. case my car catches fire while in his shop. I I thought that was suspicious and canceled my appoint and ask to send money back to my Fidelity Money Market Account, He said it will be 3 days until it was show in my account after six days the money still did not show in my account, So now I am reporting this dispute to BNY Mellon Investment Servicing Trust Company and asking that my {$830.00} be returned to my money market account or a check be sent to my home address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Applied Data Finance, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to the COVID-19 pandemic, I had been removed from a full-time to XXXX ( as needed status ) at the organization where I am employed. Moreover, the state of Illinois had a mandatory stay at home order for Illinois residents at this time. I have reached out to XXXX, regarding the change in status and how my income was being adversely impacted on XX/XX/2021. I received a response on XX/XX/2021 regarding an assistance program offer. According to XXXX this agreement would defer three of my payments and bring all information and payments current. I agreed to the offer on XX/XX/2021 which should shows my account in good standing. Although this hardship provision is in place, XXXX has reported my account delinquent and missing a payment to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) -XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX  # XXXX -15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-06-09
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to XXXX, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. XXXX will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.

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 2022-08-27
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
NOVAD Management Consulting is the servicer for my FHA-insured Home Equity Conversion Mortgage ( HECM ) reverse mortgage that has been assigned to HUD. NOVAD stopped sending me Monthly Statements beginning XX/XX/XXXX thru present date without explanation. For a year and a half the servicer has left me in the dark about my own mortgage. My inquiries were never answered. NOVAD is unreachable by phone & do not reply or respond to my mailed written correspondence. All questions are ignored & left unanswered. I requested the backlog of missing monthly statements & they refuse to provide telling me my HECM went into default back in XX/XX/XXXX and statements are withheld until the default is cured. That is absurd. I was never notified regarding any default. I dispute the amount NOVD is requesting & asked for an itemized accounting. They have refused that request too telling me I should ask somebody else. I discovered an unexplained charge on a statement, they refuse to identify it. NOVAD is not qualified to be a mortgage servicer for HUD. in XX/XX/XXXX the state of Nevada served NOVAD with a Cease & Desist Order for mortgage servicing without a license. There are numerous complaints about NOVAD on the internet. Get me my missing statements please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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:
I have disputed this information to have it corrected and am getting no where. This information needs to be correct or deleted. Conflicting info across the board.

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 2023-04-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of modification paperwork and was able to call in and make two payments. Unfortunately I first tried to pay these payments over the Pennymacs online system but when you opt for modification it will not allow you to process a payment over the internet. My only option was to call and process them. I called to make two payments and casually mentioned to the agent if I could make these I probably would not need to move forward with the modification process. I was also frustrated I was unable to process these over the internet myself without giving an agent my checking numbers. I then proceeded to give the agent XXXX payment after she processed that she warned me that they would only be able to process 1 payment a day XX/XX/23 so then second would need to processed XX/XX/23 unfortunately. I said okay and continued giving her another checking number. Welp I am being told that payment was considered late and they slapped a 30 day late payment on my credit report. 
on XXXX we received two letters saying both payments were successfully applied to our mortgage account. The agent must have submited through the wrong checking and it never went through. Again something we could have avoided should they let us submit over the internet and not verbally. We did not receive notice that the payment failed and we kept checking to see why the payment was not taken out of one of the accounts and later after receiving credit alert we found out that they said we paid 30 days late. They also said since we canceled our modification it didn't matter when we paid the bill it was considered late. They claim our modification was canceled on XXXX? Im not sure why someone would cancel a modification and then submit a payment they knew would not go through. We are trying to protect our credit and I feel this was done sneakily through our lender. They have been less than helpful during all parts of the financial struggle I have had and less than cooperative during any discussion we have had to fix our account. As of now all payments are made and we are asking this be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: ALLY FINANCIAL INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.

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 2023-07-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17
Company: EQUIFAX, INC.
State: CA
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:
The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was deleted from my credit report a year ago. I started receiving calls several times a day from " Paramount Recovery '' I finally answered them, and they verified my name, ask about a this debt in which I told them it had been resolved. I never received a letter from this Co.! Within 60 days it was reported and put back on my credit report. They continue to call just to hang up on me upon answering... But, never say anything, after reporting this to credit bureau in which dropped my score XXXX  XXXX. This is the ONLY derogatory on my credit report and has messed me up. I need to know how to go about getting this taken off. I was never notified by this Co. By mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX  XXXX a subsidiary of XXXX XXXX  called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently

Company response to consumer: Closed with explanation