BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In early XXXX of 2023, I made an attempt to use my Torrid store card, only to find that it was not functioning. Surprisingly, my card had a XXXX balance and had remained unused since XX/XX/2023. Seeking answers, I reached out to Comenity bank via phone, where I was informed that my card had been locked due to inactivity. To reinstate it, they required a credit check. However, when asked if I wanted to proceed with the credit check, I politely declined. The call ended without any further action. 

Feeling perplexed, on XX/XX/2023, I decided to contact Comenity bank once again, this time through their website 's mail service. I wanted to understand why my card was still not functioning despite having available funds. To my surprise, I received a message stating that they had conducted another credit check without my consent. They assured me that a letter regarding my account would be sent to me via mail. 

Today, on XX/XX/2023, I reached out to Comenity bank once more, seeking clarification. To my dismay, I was informed that indeed, Comenity had pulled my credit report without my consent. This unauthorized action is clearly fraudulent, and I am now reporting these transactions accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, 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:
A recent inquiry for comenitybank is on my report. I have no knowledge of ever applying for a line a credit from said creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted company when I lost my Job XX/XX/2019. We had just got the house in XX/XX/2019. 
I told them I lost my job, wife needs 2 XXXX XXXX, I need to help her and take the 6 month deferment they offer on their Loss Mitigation. 

They seemed to say they cared and wou ; ld be there if we everr needed them. 

one letter back saying needed more pay stubs ( 2 years ). 
I gave them all the stubs I had back 1 year. Can not access pay stubs anymore. 
I offered to send W2 which I thought they had already. 

I feel they are just stalling and letting me make payments. 
I am paying them out of my saving sof {$7.00}, k. but that is for my wife 's XXXX, which I also told them. 
I feel railroaded into even buying this house. 
We had a 60 day notice and a XXXX XXXX. Could not find a rental so we bought this house. {$2000.00} payments are killing me! 

XXXX XXXX XXXX XXXX XXXX is my user name on XXXX 's site. 

please help

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 2023-11-06
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
I submitted a dispute to the CRA XXXX and Experian on XX/XX/2023, I received no response from the CRA only XXXX removed my accounts. I had to call in order to get my report sent to me and yet and still the negative accounts still remain on my credit. 

This complaint details how XXXX & Experian are violating the law. 
The evidence will prove that XXXX solutions incorporated knowingly willfully violated the federal credit reporting act 605C. The evidence will show that XXXX & Experian conspired with the companies listed on my credit report to violate my consumers rights.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 am writing to you with great urgency and concern regarding the fraudulent items that persist on my credit report. I have identified these inaccuracies, and I insist on their immediate removal to protect my financial reputation and well-being. 

The fraudulent items on my credit report are causing significant harm to my financial life. They have negatively impacted my credit score and have made it difficult for me to access loans, credit cards, and other financial services. This situation is not only unjust but also jeopardizes my financial stability. 

I demand the following actions be taken immediately : A thorough and unbiased investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be addressed urgently and professionally. It is my right as a consumer to have an accurate and fair representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence to support my claim and assist in the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, Bank of America went into my checking account and emptied my funds of my account. They claim another bank account had been made at the beginning of the year in my name which I never opened. I had submitted all necessary paperwork proving who I was at the beginning of this year 2023. They claimed to have never received this information. Which led to them taking money out of my account on XX/XX/XXXX. In the amount of. {$1100.00}. 
I received a week after the fact a letter informing me they were going to be taking this money from me. After my account was already purged by XXXX and my account has been In negative standing since XX/XX/XXXX due to this. One quarter of my monthly income was stolen from me by XXXX. I call them weekly. I was talking to a manager out of the XXXX, CT boa location weekly as well. And she of course no longer works there. I received another letter from XXXX on XX/XX/2023 saying Weve completed our research on your claim listed above. And determined you arent the person responsible for opening the account. 

I was told on the XXXX of XXXX that the analyst working on my case would get me an update. No such thing has happened. Last week when I called XXXX again. I was told the analyst has until XX/XX/2023 to get my money refunded back to me. Even though I have been told since XX/XX/XXXX it would take XXXX business to get my money refunded back. After talking to another person today. I was told now it can take 30-90 days to get my money that BOA has stolen from me. I want this resolved. This was done criminally towards me and XXXX is dragging their feet. My money was stolen from me. What and why do banks have fraud protection for customers if they clearly do nothing when something like this happens?

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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
THERE XXXX CREDIT CARDS THAT BEEN OPEN IN IDENTY TEFT UNDER MY XXXX COMPANY AND THE CHASE CARD REPORT TO MY PERSONAL CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NV
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, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-11
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Bank XXXX : # XXXX, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

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 2023-11-06
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services, money, and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This has caused me much suffrage and is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Aqua Finance, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, my name is XXXX XXXX, and my address is XXXXXXXX XXXX. XXXX XXXX XXXX, Az. XXXX. I entered into a 20 year loan agreement for a new travel trailer in the spring of XXXX. My payments have always been on auto pay through my bank and have never been missed. Initially I wasn't getting a monthly statement from the finance company, Aqua Finance XXXX XXXX XXXX. I contacted them after about 5 or 6 months, and they some kind of excuse then started sending them. Then they stopped sending my statements once again, so I contacted them again and they started sending them again. Now they have stopped sending my statements once again, so I contacted them today, The woman on the phone told me that because I am on auto pay, that I do not get a monthly statement. This is just plain wrong, because everybody should get a monthly statement for their loan, and this should be the law. I am hoping that it is the law. I want this this lame finance company to do the right thing, and provide me a monthly statement for my loan each and every month like they should. I think it is the absolute least that they can do for the money they are making from my loan. 
My loan account # is XXXX and their phone number is XXXX. 
I would appreciate it if you guys can force this company to do the right thing, and adhere to normal loan servicing procedures. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/ ssdi deposited {$910.00} into son 's account he was never able to access those funds and complaints and calls began that day. XX/XX/XXXX they state comerica took it back out. Comerica states they don't do this, Direct Express handles all this. SSADMIN and the federal treasury state direct express has it.I have called back and forth between these companies throughout XXXX and XXXX. Today XX/XX/ XXXX XXXX  we have stopped payments for future to direct express but I was told by SSADMIN that I have to pursue payment for XXXX and the run around has been all day on the phone again. I have an account # that matches nothing direct express has ever given my son and a trace number for the XXXX check but I'm being told by both companies they can not research this information. This has to stop and my son needs his XXXX. They will not fix this from just me fussing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 status incorrect

Complaint:
Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. XXXX XXXX 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 2021-11-05
Company: ALLY FINANCIAL INC.
State: SC
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 should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic. 
ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late. 

No report was made for XX/XX/XXXX on all three credit report. 

Ally financial has violated several FCRA laws.

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