BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Genesis FS Card Services, 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 Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states I have the right to privacy. 15 US Code 1681 Section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX- {$490.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

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 2023-11-02
Company: OneMain Finance Corporation
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. XXXX simply reported my dispute as : " Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells XXXX their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Upstart Holdings, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Outdated information from the month of XXXX in a previous year lingered on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Vance & Huffman on XX/XX/XXXX  to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/ & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/XXXX  Business is based on the owners word and in this case XXXX XXXX word means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
This creditor CHASE VISA SIGNATURE CREDIT CARD ( XXXX ) has violated my rights, under 15uic 1681 section 602states that I have a right to privacy.

! 5 uic 1681 section 6048 section 2 is also states that consumer reporting agency can not furnish an account without my willingness and instructions.

Under 15uic 1666B - a creditor may not treat a payment on credit card account under an open a consumer credit plan has late at any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX and 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 2022-05-28
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} are erroneously reporting on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am making this complaint of my own accord and do not consent to XXXX verification in response to AFFIRM reporting inaccurate information to three of the many credit reporting agencies. I have contacted AFFIRM to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by AFFIRM of a " debt '' the alleged is " owed ''. Given that I have contacted not only AFFIRM but XXXX, XXXX, and XXXX more than 90 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: TX
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:
Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using Equifax services in XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXX XXXX  this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX XXXX am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items XXXX finding this is the case with both Equifax XXXX XXXX. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} are erroneously reporting on my Credit File.

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 2023-10-16
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never resided at this address listed and also I was incarcerated during this time. The municipal court is responsible for all hospital debts during my incarceration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 2021-12-06
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a loan Archarge Credit Card XXXX XX/XX/XXXX in the amount of {$6700.00}. To avoid any interest payment, the loan was to be paid back by XX/XX/XXXX. I made monthly payments and the last payment I made from my home equity account did not go through. I was not notified until after the date and I was charged all the back interest at 27.99 %. I paid the entire amount in XXXX to not incur any additional interest charges I spoke with the company and they said I had no recourse. I tried to call the company today get the amount of interest I was charged- the recording said my account was closed and it hung up. 

Understanding there has been some time, but we had medical issues and XXXX has been a distraction. Please let me know if you can help me. 

thank you, XXXX XXXX NOTE : I recently moved from XXXX XXXX XXXX XXXX, XXXX, NJ. My new address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,  2017  I asked Nationstar Mortgage to terminate PMI on our mortgage since we reached the 80 %  LTV (  {$380000.00} appraised value - $ {$300000.00} mortgage balance ). A new appraisal had been completed confirming that multiple upgrades had been completed after we had purchased our home which increased the value. I spoke to the PMI department including a supervisor and was denied verbally because the investor rules were 75  % LTV  from the original home value for PMI to be terminated. After a lengthy discussion on the Affordable Housing Act and the CFPB, I was finally given an email address to send an appeal for the denial to be reviewed. The first email address I was given did not  work (  XXXX  )  and I had to call a  2nd ti me to get another email address that worked. I sent the email requesting the appeal with a copy of the appraisal, CFPB 's  XXXX  bulletin, and a request PMI be terminated. This all occurred on the same day  XXXX   XXXX . I had not received a response so I called today,  XXXX   XXXX ,  2017  to inquire about our appeal to the PMI department and was told that our appeal had been denied. I asked why I had n't received anything in writing and was told they mail denials in bulk and my letter has not been mailed yet.  XXXX , my PMI agent today, said he was able to get a copy of the letter and will mail the letter today. After explaining that I will be filing a complaint with the CFPB,  XXXX  asked if I wanted to speak to a supervisor but told him no since it did n't work the last time I spoke to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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:
See attachments. Also, information that is being listed is tied to an address that is not mine nor is a part of my consumer report. Laws are being broken following the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the current pandemic of covid, cable, satellite and communications companies allow people to open accounts online and because anyone can easily manipulate an identification care, i.e., drivers license, passport, etc., these companies have made it easier for fraudsters to open accounts under anyones identity at any mailing address without proof of residency, i.e., electric bills, lease agreement, deed of trust, cell phone bill, etc. 

When these fraudsters open an account, they dont pay the balance, then the balance is reported to the credit bureau as a default of payment. The companies listed above that allow this, now ask the person whose identity was stolen to provide proof of their identity in literally an 812-page affidavit with copies of proof of residency in order to stop the collectionsthis should be the other way around, these companies should ask the applicant to provide proof of residency. 

Bottom line, the companies above should have some form of regulation if they are going to make it easy for anyone to open an account. I have asked the collection companies and XXXX, the account Ive been reported to open, which I did not nor have I ever done business with XXXX. They refuse unless I provide an 11-page affidavit and provide proof of my residency that I have never lived at the address in question in the outstanding debt. 

They should require some type of two-factor authentication, i.e., a cell phone where they call you and verify the cell phone registered/opened under your name. Something besides fill out our online form with a picture ID that can be forged/altered. They make it easy for anyone to open an account but make it extremely time consuming and difficult along with an inconvenience for you to prove the account was never yours that they opened. This is outlandish and should be addressed through new legislation to help prevent identity theft and consumer anguish. 

In my case, apparently XXXX opened an account through an online application sometime in early XXXX and began collecting on it in XXXX XXXXand I only found out because I monitor my credit report. That said, when they opened the account, they do not report it to the credit bureaus that the account is openedso I could have caught it thenno, they report it to the credit bureaus only when it becomes delinquent. 

In my case, the first report was in XXXX XXXX, and when I disputed it, it was removed only to reappear in XXXX XXXX through CCS Collections and then reverify it on XX/XX/XXXX after I reported it as disputed. I have disputed it again and they refuse to remove it and refuse to provide documents to demonstrate proof that I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief