BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Today, XX/XX/2023 I received a letter through mail about my initial identity theft dispute which was mailed out to me on XX/XX/2023. I called Equifax to speak about the letter and a representative told me the same thing that the representative from XX/XX/2023 told me about properly filling out the identity theft report. He stated that I need to resubmit the information so that it could be processed properly. I am resubmitting all required information pursuant to FCRA 605B as well as Equifax 's request. Below I have attached the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, and a utility bill. Accounts disputed : 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 2022-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I made my car payment of {$410.00} on the XXXX website. 
This date is before the 30 days late point. The payment was accepted and everything looked fine. A week or so later I was contacted by the bank saying no payment was made. 
After much research and talking to several bank employees it was deciphered that the bank account number used in the transaction was wrong. 
The bank blamed me for the error and said TOO BAD. 
The number in the transactions was XXXX. THIS NUMBER HAS NO SEQUENCES THE SAME AS MY ACTUAL BANK ACCOUNT NUMBERS. 
Fifth Third Bank website malfunctioned and created wrong information for my on-line transaction and they do not want to correct their error on my credit report showing a 30 day late payment. 
I have had this account for over 4 years with no 30 day late payments!! 
Money was in my bank account for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Medical Data Systems, 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 information incorrect

Complaint:
It has come to my attention that Medical Data Systems is reporting an alleged debt on my consumer report without my written consent to do so. 

The reported information is a violation of the Health Insurance Portability and Accountability Act of 1996 also known as HIPPA. 

The FCRA has affordable me the informed consumer the right to privacy and Medical Data Systems has violated that right by reporting protected information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My ex husband got a house with me in my name then he XXXX XXXX me and I moved out and filed foXXXX XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.

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 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NC
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced in 2022 for XXXX they gave me a quote of XXXX a month a year later they said my mortgage was going up to XXXX I called they gave me the run around. They finally said my refinance lady had miss calculated the taxes. She had only calculated half the taxes. I would of never agreed she was so misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is an old accounting XXXX agency needs to remove and cease all firms of communication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In 2018 My wife bought a XXXX XXXX and had never bought a car before. The sticker price was XXXX and when she walked out of the dealership she owed XXXX. She had no clue until I looked at it 3 years later. She was charged for gap insurance, and an XXXX warranty and the tire insurance and its funny cause it seems like the dealership, " XXXX XXXX and Ally financial made around XXXX each. And she even put down XXXX bucks down payment which didn't drop the price at all. Well when we had a problem with the engine we ended up having to pay XXXX bucks cause XXXX warranty didn't cover the cost. What we had done would have costed XXXX bucks to fix so it was like we paid XXXX bucks for the warranty XXXX for gap ins and I think XXXX for the tire insurance we never used and with the high interest rate and 6 year loan m, I added it up and Ally and the dealership made over XXXX each. So what. To buy a car, I have to pay for it twice if we don't have great credit. That seems XXXX  to me. The rich get everything cheap and the middle class has to pay double. But the kicker is, my wife had no idea she had the gap ins and tire ins snd the extended warranty added. She sd the lady was talking extremely fast and my wife didn't understand that she was going to end up paying XXXX times what the sticker was. We owe like XXXX pr XXXX and if we hadn't had all yhst we'd have paid it off already. I'd like to know if the cfpb recognizes that this was intentional and why couldn't my wife speak with Ally financial, and as her lender shouldn't they he protecting her from the dealership raising the price of the car XXXX tines. You'd think they'd want us to pay the loan back. Or at least say something XXXX hey XXXX XXXX, you realize you're getting a loan for XXXX and the price I'd the car is XXXX. But no. They want as much money as possible just like the dealership.

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 2023-01-18
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Key Bank in XXXX Florida has let XXXX XXXX XXXX XXXX XXXX XXXX and a couple other companies still over {$620.00} worth of personal funds that were mine they were unauthorized debit transactions and key Bank took two years to return only {$350.00} of the {$620.00} and it's playing a game to get my own money back if you total amount of {$360.00} they are putting blame on each other 's departments for example the supervisor in the dispute department even stated yes sir you are still owed {$360.00} however the car department is responsible for issuing or returning any credits or refunds back to that account I called the card department and they stated it with the dispute department. I have called the XXXX XXXX XXXX with no response it's been over 2 years and I have been patient enough to get my money that was stolen from me back fraudulently so what I'm going to do now is issue a request from you guys to please help me out in return I'll put a ratings to the Federalist reserve and state how great you guys are at helping people out because you've helped my friend before get his bank account fixed. Please my card number is XXXX exp XXXX my name is XXXX XXXX XXXX I really appreciate you guys thank you and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX not mine US DEPT OF EDXXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC  XXXX not mine

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 2022-07-15
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$91.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I unthawed my credit as I prepared to request and increase of my XXXX & XXXX XXXX credit limit, on the morning of the XXXX of XXXX. Previously when I've requested a credit limit increase with a XXXX & XXXX XXXX card I received a confirmation or denial within 48 hours both to my personal email, any account, on the card issuer 's site, and a mailed copy of the decision. This is my first time trying to request a limit increase with Comenity 's Payboo card. After receiving no response I called their customer service line and was told credit limit decisions can be emailed or mailed but not both. That is the most asinine rule I ever heard instituted by a financial institution mandated to keep scores of records. The agent said she could additionally send an email copy of the decision and that it would show up online in the " message center '' of my Comenity account. I wake up the morning afterward and there's no such message. I continue checking for the next week and see nothing still. I checked my credit the following Wednesday and see that Comenity ran a credit inquiry on the XXXX. This would've been the day AFTER my credit thaw expired and multiple days after the agent I spoke with told me some type of mail correspondence was sent out which went out prior to the digital correspondence she said would've been sent. I have no messages or correspondence digital or mail but I'm told some type of correspondence was definitely made. It feels like they're playing games and being less than honest, I don't particularly appreciate that coming from anybody social security number in their records. Moreover it's arbitrary and nonsensical to pointnof malice to demand consumers accept purely digital correspondence or purely mail when every time I log into your company 's website and create a password I can immediately log out and type in that very username and password and the site won't remember it! This morning when I attempted to access the account message center, I reset my password because the website said it didn't recognize it even though I reset it days prior. When I went to check the message center not only was nothing there, the page glitched and then crashed. I tried to refresh. I visited other parts of the site and tried to click back on the message center and the page was still crashed every time. It's absolutely disgusting a credit card company that makes what Comenity does, is this negligent and indifferent with handling customer services and communicating with customers. Moreover somebody is lying to me because their bills seem to be getting through the mail perfectly fine. I don't like my credit score, financial information, nor my time being played with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX, a federally protected consumer, and I am making this complaint against Capital One for reporting inaccurate personal information to my credit profile, thats damaging my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The definition of a Charge Off states, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Ive contacted Capital One several times to resolve this matter and have not gotten any results. The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnisher ofinformation & 15 U.S. Code 1681e ( b ). 

Ive called numerous times and it was updated after i paid in full. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: KY
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 XXXX Account # XXXX, has violated my rights. 


15 U.S.S 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 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-09-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 XXXX XXXX called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told XXXX XXXX to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.

Company response to consumer: Closed with explanation