BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: AMERICAN HONDA FINANCE CORP
State: CT
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 this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666B a creditor may not treat a payment on credit card account under an open and consuming credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 explanation
Consumer complaint received 2022-05-17
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:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This 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 2020-07-09
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was recently informed by the Nebraska child support office that I was issued a relicard and that over XXXX XXXX dollars was deposited to the card. I have attempted serveral times to contact US bank without resolve. They recently sent me a card not in my name also sent me 7 years of blank statements. I have been an victim of fraud by US Bank including recent identity theft for the second time with a new identity afforded me for my protection. US bank will not allow me copies of bank statements fraudulently opened in my name but where my funds where deposited and will not accept a report of never recieving a card

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 2023-03-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Friday XX/XX/XXXX I received an alert on my XXXX credit reporting app about a Hard Inquiry that was placed on my credit report by Comenity CapitalXXXX XXXX It was after hours so I had to wait to file the dispute over the phone Monday morning during XXXX 's business hours. When I called. they advised that the card was opened by a sporting goods store and that I would need to file the dispute with the store. XXXX started the dispute process and found it to be fraud and had the inquiry removed. I located the contact number for the company, now known as XXXX XXXX XXXX. I live in XXXX  and they have no locations in PA and I had never heard of them. When I called the company they confirmed that the card was opened online using my personal information. When I told them I had never heard of the store, never even got a card, nor an email, they confirmed that the email on file is not my personal email. I requested the account be closed as fraud and they advised that they would note the file. I also requested documentation be sent in the mail confirming the fraud and closed account and that is pending. I then went into my local police station to file a report for identity theft. Their office told me they do not release those reports unless they receive a subpoena, but that I could submit the record # to the local Social Security office and that report would be on file, should I decide to file for a new SSN. I also alerted my banking institutions. 

Coincidentally, my cell phone provider the day before this happened ( XX/XX/XXXX ) advised that their network was accessed and my CPNI was released, but no " personal information was leaked ''. Then, 24 hours later, someone used my SSN to open a credit card online. I called them immediately to advise that I think their breach was more than compromised and they have assured me that it was not ; I am, however, skeptical given the timeline of events. 

I have copies all my credit report and the report # should anyone need it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-05-17
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid XXXX XXXX  via PAYPAAL and the company has delayed my order for 6 MONTHS this is insane. they verbally tell me I can cancel, and yet they refuse to cancel. I called the furniture manufacture directly and spoke to XXXX XXXX at XXXX she advised me that they have a contract with the seller and that must be honored and I have to work via them. They refuse to ship my order or honor my desire to cancel. they are a fraud and are not abiding by their published policy on cancelation. I am seeking full refund. 

Paypal is the payment provider i used on this and i am needing my refund. the company continues to delay until we reach 180 days to which at that point i am fully liable for the XXXX that i am owed back for my canceled order. All i want is for them to process my requested cancellation and refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Nationstar aka mr cooper brought a fraudulent mortgage note from XXXX who went out of business for fraud but not before they stole XXXX in equity through a revised HUD 1 statement with out my knowledge. Nationstar aka mr coopers agent XXXX XXXX engaged in predatory lending and defrauded me further by stealing another XXXX in equity through the HUD 1 statement. I have asked Mr cooper to provide checks or wires that show this money was lent to me BECAUSE i inherited my property free and clear. they cant keep pretending that they dont have to prove THAT they lent these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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 am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 I was removed as an authorized user on my mothers credit card by her request. I tried to remove myself from the account but was told only my mother could remove me. After she had me removed from the account it still stayed on my credit report. The balance of the card was {$9900.00}. It had a minimum monthly payment of {$310.00}. She has since paid the card down, but there has been no reporting on the account since XX/XX/18. It is just stuck on my credit report as a maxed out card. I have contacted the company several times to ask them to remove the account from my credit and they refuse. They will only talk to me if my mother is also on the line. The first few times we called they said the issue was corrected, after several months of it continuing to go uncorrected after their assurance it would be corrected, we were told there was nothing further they could do. They told me I have to dispute the account with all the credit bureaus. When I asked them to send me a letter confirming I wasnt on the account so I could send it to the bureaus they again refused, stating they had no letter they could generate to comply with my request. All they were willing to do was let me record them stating I wasnt on the account.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Re : XXXX Requesting Reinvestigation of Consumer transaction 15 U.S. Code 1681i - Procedure in case of disputed accuracy REINVESTIGATION OF DISPUTED INFORMATION 1. REINVESTIGATION REQUIRED 2. You claimed the information was verified, ( did you solely use the information provided by the furnisher without ever consulting me? ) a. The furnisher does not have any verifiable proof, that they obtained permission either verbal or written, to report these items on my consumer report ( 15 usc 1681 ( 4 ) )? 
Where is the evidence? 
Please provide evidence of your reasonable procedure, process or method used? 
Whom did you communicate with? 
How did you communicate with them? 
When did this communication happen? 
How did you come to such determination? 
What information did you use? 
How was the information that I provided used in your investigation? 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( B ) Extension of period to reinvestigate 15 days ( C ) Limitations on extension of period to reinvestigate ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( C ) Contents of notice ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( C ) Procedures to prevent reappearance You and the furnisher have a beneficial relationship, they pay you for business transactions ABOUT ME, THAT DOES NOT INCLUDE ME, ( THATS FRAUD, IDENTITY THIEF and MISREPRESENTATION ). This is causing me harm and is hurting me. This is a direct violation of the law. How can you use my data, social card, information without my consent with NO benefit to me? 
5 ( i ) promptly delete those items of information from my consumer file, or modify the items of information as appropriate based on the true results.

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 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For 7 years I have had an AmEx credit card and have paid in full and on time every month. The bill comes via e-mail and always arrived monthly. Last month the bill went to my spam filter and I never saw it. I called the company on XX/XX/23 and advised the rep what had happened. At that point I owed {$34.00} from the late bill and a {$29.00} late fee and the next bill had a charge of {$35.00} for a total of {$99.00} at that point. I gave the rep my routing and checking account numbers and paid everything off. I asked if the late charge could be waived because I had never been late with this credit card or any other credit card for that matter. The rep said it was their policy not to waive late charges. I asked to speak to a supervisor and he said one would call back within 24 hours which never happened, I called again the next day and got a different rep but same response ie. policy is no waiver of late charges and no supervisor available. I am XXXX years old and have never had late charges in the last 50 years because I pay my bills on time. How can this company charge me a late fee for a bill I never received. What possible reason would I have to incur a {$29.00} late fee on a bill of {$34.00} which I could easily pay on time if I knew about it. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened an account online with Citibank. I completed the opening deposit during the process in the amount of XXXX from my Savings account at another institution. On XX/XX/XXXX, I received an email that my account is being closed. My opening deposit would be returned in 30-60 days by mail. I contacted the fraud department of Citibank and they informed me that there is a hold on my account and they have initiated account closing procedures and I would received the opening deposit back within 30-60 days. I asked them how can I get it back sooner, I was told I could visit a branch and they can call in and have the block removed and could refund my opening deposit. On XX/XX/XXXX, I met with a personal banker and she called the fraud dept. and they told her that my deposit would be refunded within 30-60 days by mail. I asked her to have them reconsider because I do not want a XXXX check to be mailed and I should not have to wait 30-60 days for my funds to be returned. I did not get anywhere with them. I am contacting the CFPB to file a complaint because I should not have to wait 30-60 days for my funds to be returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Radius is the third company to try and sue me for the same debt the debt has doubled plus some and I want help resolving this Ive asked the last two times they just keep selling the debt its doubled I will pay the XXXX I will not pay six XXXX Im not paying their interest for closing my account when I was at XXXX Im not paying their interest fees because they did not want to work with me

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