BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I am deposit insurance check to mine Citibank account {$1000.00} in XXXX hours later mine Citibank account is close. I call Citibank customer to explain why mine account is closed. They told me that check is fraud and closes mine account. 
I am telling Citibank is wrong to closed mine account like that. By law they need to investigate first before closing some customer account like that. 
Customer service telling me they do what ever they want to do with every customer account they want. 
Right now I helping because am so stressed full right now. Please please can someone helping me to get mine right back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: OH
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 was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Selene Holdings LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The monthly payments are automatically debited from my checking account. I have proof that I've made the monthly payments. The most recent statement effective XX/XX/2022 shows that my mortgage loan is {$13000.00} past due. The mortgage was transferred from XXXX XXXX XXXX to Selene Finance LP on XX/XX/2022. 

I sent proof that the payments were made by sending XX/XX/2022- XX/XX/2022 bank statements to indicate that the payments were automatically taken out of my account. The information was sent to them certified, return receipt requested. It was sent to them on XX/XX/XXXX or XXXX. The postal worker stated that Selene would receive it by XX/XX/XXXX. It is now XX/XX/XXXX and supposedly no one has received it. 

I need IMMEDIATE help to resolve this issue. After a phone call with the new servicer she is now saying that it was for months before because she miraculously show that the XXXX - XX/XX/2022 payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Account status incorrect

Complaint:
I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to prove my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened XXXXXX/XX/XXXX am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.

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 2023-09-05
Company: Experian Information Solutions 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:
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. 

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 explanation
Consumer complaint received 2022-12-07
Company: DISCOVER BANK
State: NY
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:
On XXXX XXXX somebody used my personal information and SSN to fraudulently to open personal loan with Discovery Bank. The total amount of personal loan with interests was {$19000.00}. It all happened during my absence from the US, at this time I was residing in XXXX and couldn't do this online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Hello. I was wrongfully charged on XX/XX/2021 from XXXX company for {$1500.00} and I filed a dispute as soon as I could right After and Barclays Card ( JetBlue mastercard ) has been a nightmare to work with. Theyre continuously closing/opening the case without even my knowledge and theyre lying. They tell me something different every time I call them.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Starting on XX/XX/XXXX I contacted XXXX XXXX with Cardinal Mortgage about refinacing. I gave him the go ahead on the process and sent in multiple documents as asked for. By the XXXX of XXXX. I had sent in multiple documents I was becoming frustrated. In talking to XXXX he said more than once that the customer assistance people just send out requests on a routine basis not necessarily aware of what has already been received. On XXXX XXXX I paid $ XXXXfor the appraisal. 

The appraisal was done XX/XX/XXXX and according to conversations with XXXX I had submitted enough documentation even though I kept getting requests from their assistance people. 

The closing date was supposed to be the first week of XXXX and now the rate lock has expired. I have tried to contact XXXX all this week with no response and called the corporate headquarters in North Carolina with no response. 

I believe they are dragging their feet since the rates are going up because of the govt stopping the influx of money into the system, inflation and whatever and not wanting to follow thru with my XXXX rate. 

I became so frustrated during the process that I threatened to pull out of the deal myself more than once but never did and if they had taken that seriously they wouldn't keep sending me emails requesting more documentation. No doubt my complaint will be refuted by them citing all the requests for additional docs but again, when I talked to the loan officer XXXX XXXX XXXX XXXX XXXX in Az. he assured me that " we were fine ''. 

If they had heeded my threat to pull out of the deal I wouldn't have received an additional request as recent as this XX/XX/XXXX. 

The only files I can attach are all the financials they requested which I don't necessarily want to send. Here is the latest email requesting more docs. 

Hi XXXX and XXXX, You have new to-dos for your home loan. Please sign into Octane and complete them as soon as possible to keep your loan on track. 

To access your loan in Octane, click here. 

Thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Cardinal Financial Company | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX If I'm unavailable, please contact XXXX XXXX at XXXX between XXXX XXXX XXXX XXXX XXXX XXXX or email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : COMENITYBANK/COMENIT Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the 7 Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

Thank you for your attention to this matter.

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 2023-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This XXXX has been placed on my credit report I requested the collection agency portfolio recovery to validate the debt The only thing I received was two letters with the same id numbers on the bottom left corner Also the collection agency is not licensed I. The state of New York

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Avant Holding Company, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan through Avant and did the application and credit check. It said they are going to contact me later with rates and more information. I didnt hear from them for a couple days so I checked their website which I had to make a login during the application process. Their website said I had got the loan but I never sent any information or signed a agreement to the loan. So on Monday the money was deposited into my account and I called avant. The first representative couldnt hear me too well so I called back later after I got home. I told the lady I would of never agreed to those terms and never signed for the loan. She said they sent a email with a link to complete the loan agreement. I said I never got it and later checked my email and its sitting in the spam folder unread. She was very rude and would not provide me with a email showing these things she stated. Long story short I applied for a loan but would have never agreed to those terms and never gave them any documents or signed a promissory loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX* has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2020-05-23
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The three request ( dispute ) letters that have been sent to Clark County Collection resulted in no success. All letters have been sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded that Clark County Collection send me documents showing that the account that they have reported on my credit report belongs to me. Clark County Collection is currently violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters as disputes to XXXX beginning XX/XX/2020 with the last letter being sent on XX/XX/XXXX. XXXX has sent me dispute results saying the accounts had been verified. However, Clark County Collection has not provided me with a copy of any original documentation or a consumer contract with my signature on it which they are required to do according to Section 610 ( a ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: TX
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 appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there are still an account that needs to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

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 2022-12-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account from forever21 was oped as fraud in my name and the company has done nothing, I asked for information im told otherwise. this account has been on my report for a very long time and ive gotten so much hassle to remove when I didn't open the account in the first place. which has hurt my credit very badly. which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification that this law firm ( Pressler Felt & Wars Haw LLP ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of NJ in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who XXXX XXXX is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation