BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I noticed that I had an account from XXXX from XX/XX/XXXX reporting on my consumer report as a charge-off. I have sent them disputes trying to get this removed but they are refusing to remove it as they are claiming it is mine. Also in XX/XX/XXXX, I was approved for a loan by XXXX  that I applied for and did so knowingly so I should have only one account with the company. I have been a victim of Identity theft in the past and my wife was a victim back in XXXX this is another instance where my information is being used for someone's personal gain.

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 2022-03-09
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing sent letters with incorrect information. 
1. I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver, however they clearly have not. After lengthy hold times I found someone who could provide correct information - the loans are initially reviewed under the standard rules, then sent for a second review under the waiver rules. This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately. 
2. I received a letter from FedLoan stating that says if I consolidate during the Waiver period my payment count will start over. This is factually incorrect based on the waiver period rules.This inaccurate information in the sent letters is very frustrating and created a need for lengthy time to assure my Public Service Loan Forgiveness ( PSLF ) was being assessed accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
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 consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I applied for a Care Credit line of credit. A soft pull was done and I was approved for {$7300.00} pending approval of the ID verification process. Once the ID process was completed I called in with a code I was given and at that time I was told I was denied. I requested to speak with the underwriting department to find out why and was told I had to wait to receive a letter. On XX/XX/2023 I received a letter stating data sources such as public records, phone directories or ss databases were checked & based on the results of those checks they were unable to confirm my identity with enough confidence to approve my application. I have had the same phone # for years, the same ss # for XXXX  years and until recently I lived at the same address for 12 years. I have a good credit score with all 3 bureaus as well as a 100 % payment history. Why was I denied????

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 2021-04-26
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:
XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX XXXX went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

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 2023-11-28
Company: Experian Information Solutions Inc.
State: MI
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:
Dear CFPB, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX 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 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had XXXX to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. Transunion and XXXX never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2021-04-26
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report to find Hunter Warfield was listed as a collections with all 3 bureaus. I haven't received any paperwork or phone calls from this company regarding any balance owed. I have tried to dispute previously with no response. I do believe this is fraudulent activity nonetheless.

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 2020-03-22
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I purchased a large item from XXXX XXXX. Comenity Bank is their finance company. I made regular, on-time monthly payments toward the purchase. 
On XX/XX/XXXX I sent a {$200.00} payment to Comenity, ; check # XXXX. 
I received a bill from XXXX XXXX stating that I still owed the {$200.00} along with interest charges and a late fee. I called and spoke to someone in customer service in early XXXX and wrote a letter on XX/XX/XXXX stating that according to their customer service rep, that they show no record of receiving the payment for {$200.00}. However, I explained in the letter that I checked with my bank and the check cleared on XX/XX/XXXX through their bank. I asked them to please remove this owed amount from my account including the added interest charges and late fee. 

On XX/XX/XXXX I received a letter that they are looking into my claim. I sent them documents as proof of the deposit i.e. copy of both sides of the check, the routing # 's etc. 
They sent me a letter dated XX/XX/XXXX that they were unable to verify that the bank had received these funds and that they have concluded their investigation. 

I sent them a letter on XX/XX/XXXX demanding that they figure this out. They sent me a letter on XX/XX/XXXX stating again that the investigation has concluded. 
They proceeded to send me a bill for {$260.00}. 
On XX/XX/XXXX I sent a payment for {$67.00}, the accrued interest which I did not owe, in the hopes that they might leave me alone about the original {$200.00} that I had already paid. 
Since then I have received frequent texts, emails and another bill as of yesterday in the amount of {$200.00} as my total balance due. {$200.00} is the original amount I had already paid and now they are still asking for the {$200.00} and more interest charges. 
I will be glad to provide you with all documentation required if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a loan and the loan was denied because my mortgage statement indicates I deferred a loan payment, which I didn't request to be deferred and through discovery, the mortgage company stated I contacted them to request a payment deferral due to a financial hardship, which I never requested and later, it was stated in their response, my account was reviewed in XX/XX/XXXX, and an investor requested the payment be deferred and I was never notified of the decision that was made on my mortgage account by the mortgage company, which I had been pay my payments during the start of my loan modification with XXXX XXXX and the other mortgage serving companies, with no issues, until the moratorium that was put in place by the government on Rent and Mortgages, the company deferred my payment which I always paid within the same month, the payment was due and I was denied the loan I applied for with my bank. 

On XX/XX/XXXX, I XXXX a cashier 's check to XXXX in the Ombudsman Office attention from my XXXX XXXX account to pay the deferred payment, which a signature was requested and the confirmation of delivery shows the company received the payment on XX/XX/XXXX. 

I am requesting my account be updated to reflect the payment for the deferred payment, since I never requested to defer my payment and they agreed to remove the late fees as a courtesy, if I could show that I had PAID my XXXX, XXXX and XXXX mortgage payments, which I sent them and it was later stated I didn't defer my payment but the reviewer on my mortgage account in XX/XX/XXXX, deferred the payment.

If Covid and the moratorium never happened, my payments would have continued as I was paying before the end of the month, prior to SPS Mortgage Servicing picking up my account from XXXX XXXX in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Hello yes, my name came up in XXXX again for a amount that I have sent the required fee to have this former account closed as stated. It's with Bank of America a older checking account dated 2018. I have paid their collections department before being notified by XXXX XXXX  and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

Bank of America XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in XXXX report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You

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 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a 30-day past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by 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 2022-04-16
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
When asked of the credit card issuer to provide the debtor a fully executed copy of the terms and conditions or credit agreement indicating the debtor oh, rather the Creditor can arbitrarily cut the debtor 's line of credit limit. Doing so allows them to quickly report the debt as over-limit and immediately throw it into collection. A fast-track collection allows them to bundle hundreds of thousands of these accounts to sell them off to get them off their books. This is exactly what Citibank has done and each time I request a copy of an agreement that I signed with the section highlighted that allows them to do that, they refused to cooperate. this Behavior is known as 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 explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was paying someone through the bill pay portion of my corporate checking account and somehow the payment was sent to my late wife 's Chase credit card ( that has been closed since she passed away 2 years ago ). I immediately advised the bank of this error and informed them that this card was my wife 's credit card and that I had no responsibility related to the card. I have dealt with the branch and numerous " back office '' staff members and still have not received a refund. It has been over 6 months and I can not get a straight answer on when my {$2600.00} will be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is in violation of my rights according to FCRA. They reported on my credit report items as negative,, collections, charge offs without my permission to do so. I have a right to privacy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.

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 non-monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance $ - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00}.

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