BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a XXXX fraudulent account on my credit report. XXXX XXXX {$7400.00}

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my 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 XXXXXXXX have 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 XXXX 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 2022-04-05
Company: Coast to Coast Financial Solutions, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company failed to provide service because of lack of manpower during the coved pandemic, I called the local representative a bunch of times. One excuse after another, so I canceled my service. The local contact tried to talk me out of canceling but I had paid for service not delivered. I thought I should receive a refund, but to no avail. They brought out a second receptacle, which I did not order. Called back and canceled again, so they said set the receptacles out in the barrow ditch. By this time I had signed with a different provider for the service. I kept receiving bills, I continued to call the local number which wasn't being answered with any regularity. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Idaho. 
XXXX. I had canceled XX/XX/XXXX and was in good standing at that time. The bills kept coming as though I was still a customer. I had balanced my account with a local representative over the phone and she had agreed I was current.

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 2020-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing Inc, is my mortgage lender. On XX/XX/2020 I got infected with XXXX XXXXXXXX in one of the buildings that I was XXXX XXXX, due to the severe XXXX my both XXXX were affected and just 3 weeks ago my XXXX discharged me. I lost my job, I contacted SPS beginning on XXXX and reported my conditions they told me that they will help with the deferral plan approved by the government but I have to call on beginning of each month during my sickness. When I called in XXXX they told me that I will start paying on XXXX, but I told them that I lost my job and still under XXXX XXXX, So I sent a letter to explaining the new banking law Section X-9 which support to the NYS residents and states that those monthly payments will be deferred until 6 months meaning XXXX, XXXX, XXXX ( done ) and XXXX, XXXX & XXXX ( pending ), but they sent me a letter on XXXX XXXX stating that those months + one more I dont know WHY will be in a balloon payment of {$12000.00} ( 4 months ) due on XX/XX/2020 which means I will star paying my regular payment plus this balloon and if I cant pay I will be in collection. After this, I sent another letter inquiring those questions and asking for a clarification, but they sent me a letter stating that they will answer in 30 Days but never happened. 
Today XX/XX/2020 nothing has been resolved, I am looking for a new job and hopefully I can start paying my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 2023-08-10
Company: EQUIFAX, INC.
State: MI
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-04-20
Company: EQUIFAX, INC.
State: CT
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 did not authorize the following inquiries on Equifax and they refused to remove it. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who SEQUIUM ASSET SOLUTIONS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. SEQUIUM ASSET SOLUTIONS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized SEQUIUM ASSET SOLUTIONS as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ SEQUIUM ASSET SOLUTIONS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to SEQUIUM ASSET SOLUTIONS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: IL
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:
Purchase a 1 year Service contract with a merchant in XX/XX/XXXX. Contract ends in XX/XX/XXXX, and merchant locks my account and disable me to get access to the service that I purchased. Submitted evidence to Chase to reopen my dispute. Yet, Chase ignore all the evidence that I submitted while provides NO EXPLANATION or FEEDBACK! They just closed my dispute case without any communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 recently reached out to Equifax on XX/XX/2023 asking them to investigate the accuracy of my credit report. I sent a formal letter via XXXX mail on XX/XX/2023 detailing the inaccuracy I wanted them to investigate. It has been over 30 days have I have not heard back from them or the creditor. Based on FCRA law and guidelines they are out of compliance for failure to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company name is Specialized Loan Servicing. 

I have been making payments on their website and I have not been credited the full amount that has been paid to SLS. 

What I have paid to date : A credit from XXXX  XXXX XXXX when they sold the loan to SLS : {$640.00} Payments from me ( these payment dates are from my bank statement, SLS 's dates may vary by a day or two ) : XX/XX/2020 : {$53.00} XX/XX/2020 : {$200.00} XX/XX/2020 : {$170.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} Total paid to date to SLS : {$1400.00} The amount owed to date : A fee transferred from XXXX XXXX XXXX : {$53.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} The total amount that should have been paid to date : {$770.00} Their website shows my next payment is due on XX/XX/2020 and the amount is {$110.00}. They applied some of the money to the principal balance on the loan in the amount of {$150.00}. I am not being credited for {$500.00} that has already been paid to them. I have spoken with 5 people including 1 supervisor all of which have promised to call me back and they never do. The issue has been open for more than a week and the supervisor told me he would call me back last week and he never did.

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Reference : Dispute with XXXX XXXX XXXX on XX/XX/ for {$79.00}. 
Case Number : XXXX On XXXX, the amount of {$79.00} was unlawfully and without my authorization placed on my Platinum Capital One Credit Card by XXXX Airlines. 

I contacted XXXX XXXX XXXX customer service department 3 times to discuss this issue and each time I was placed on hold for over 1 hour or a manager never returned my phone calls, so I contacted Capital One to dispute the charge. 

I submitted all the documentation Capital One was requesting to dispute the unauthorized charge to my account, however, Capital One is refusing to credit the {$79.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have an XXXX XXXX XXXX credit card where I make a {$50.00} minimum payment I recently have gone through financial hardship and have been late on making a few payments. The credit limit is {$620.00} but the balance is {$1000.00}. Almost half of the balance is interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ALLOW ME TO BE CLEAR. I FILED A COMPLAINT WITH THE FCC. WHO SENT ME TO THE FTC. I FILED A COMPLAINT WITH THE FTC WHO HAVE NOW SENT ME TO CFPB. I CAN NOT FIND ANY AGENCY THAT ACCEPTS RESPONSIBILITY FOR THE LAWS THAT HAVE BEEN BROKEN. YET EVERYONE CONTINUES TO GET PAID JUST TO GATHER INFORMATION TO BE PUT IN A DATA BASE. THE COMPANY : SPEEDY CASH/RAPID CASH CURO HAS CALLED ME A TOTAL OF 76 TIMES. I ASKED THEM TO STOP CALLING ME ON XX/XX/2020 AND THEY CALLED 32 ADDITIONAL TIME AFTER THAT DATE. I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXX. I HAVE NEVER HEARd OF THIS COMPANY. HAVE NEVER  DONE ANY SORT OF BUSINESS WITH THIS COMPANY. NEVER OBTAINED ANY SORT OF LOAN WITH THIS COMPANY. THEY NOW SAY THAT THEY CONTINUED TO CALL ME BECAUSE THEY THOUGHT THAT I WAS RELATED TO ONE OF THEIR CUSTOMERS THAT OWE THEM MONEY. WHAT ARE THEY LOAN SHARKS. XXXX? ALSO I WAS PROVIDED A COPY OF A LOAN AGREEMENT WHERE THEY REDACTED THE CUSTOMERS NAME AND LOAN NUMBER. I ALSO HAVE A DETAILED INCOMING PHONE CALL REPORT FROM MY TELEPHONE CARRIER CARRIER THAT SHOWS ALL INCOMING CALLS WERE FROM SPEEDY CASH/RAPID CASH CURO. ALL OF THIS BREAKS EVERY LAW THERE IS. TELECOMMUNICATION. PEACE. FAIR DEBT. ( I HAVE NOW NOR NEVER HAD ANY DEBT WITH THEM ) HARASSMENT ) I WANT SOMETHING DONE IMMEDIATELY. AND WITH OUT FAIL. I WANT TO BE CONTACTED. AND WHAT EVER INFORMATION IS NEEDED TO SUPPORT THIS COMPLAINT, PLEASE REQUEST IT FROM ME IMMEDIATELY. AS THIS IS JUST A SUMMARY OF THE ACTIONS OF THIS COMPANY. THEY CALLED ME 76 TIMES. AND A  CUSTOMER SERVICE REPRESENTATIVE TOLD ME THAT I WOULD HAVE TO PROVE THAT I WAS NOT A CUSTOMER OF THEIRS FOR THEM TO STOP CALLING ME. ( XXXX XXXX ) WHEN I TOLD HER THEY WERE BREAKING THE LAW SHE THEN SAID : " WE KNOW THE LAW ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas Equifax, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. Equifax has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
multiple inquires from XXXX XXXX transunion XXXX and 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