BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 2021-05-12
Company: SYNCHRONY FINANCIAL
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for credit ( through a service provider financing program ) on XX/XX/2021. 

I called the company on XX/XX/2021 to report that I had not received any further information regarding my newly opened account ( ie : terms/ conditions, payment schedule, etc. ). 

They told me that the USPS had returned my info packet as " no such address ''. I reconfirmed that my address was correct and was told a new packet would be sent. 


On XX/XX/2021 I called the company again to report that I had still not received anything in the mail from them. I was told that I had a late fee for non-payment. I refused to accept being charge a late fee. I asked for my account number so I could send a payment anyway, and was told they could not give me my account number. 

On XX/XX/2021 I wrote the company a letter explaining the problemthat they will not send me information about a loan they approved, so that I can pay it and today is XX/XX/2021 and I still have heard or received NOTHING from this company.

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 2022-11-02
Company: Bread Financial Holdings, Inc.
State: MI
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:
XX/XX/2022 I noticed 2 charges on my account that do not belong to me from " must have savings '' in the amount of {$1.00} and {$99.00}. I called in to Comenity bank customer service on XX/XX/2022 to dispute the charges, and to get a new card with a different number so I wouldn't be defrauded further. I did receive a new card however Comenity bank failed to follow up the dispute process. I called today XX/XX/2022 to check up on the dispute and have been told that nobody at comenity bothered to investigate the dispute. I have also been hung up on 3 times today, because nobody wants to work on the file and give me a proper answer. I would like to file a complaint that they are charging me for interest and charges I don't owe, for not investigating the dispute within 90 days as per the FDCPA and for abusive practices since they keep hanging up on me and fail to respond to my questions. In addition to this, they still have not issued my points rewards for XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: TRUIST FINANCIAL CORPORATION
State: TX
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: Was not notified of investigation status or results

Complaint:
This account was paid and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

TRANSUNION, XXXX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: ALLY FINANCIAL 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 have a loan with ALLY FINANCIAL INC . I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
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 2023-03-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted Equifax concerning my credit report on their Myequifax website on the date of XX/XX/2023. 
The responsiblilty of accurate information being reported by Equifax is not being followed and is in clear violation of multiple sections of the FCRA. 

They are reporting XXXX XXXX XXXX  account # XXXX as the only account from XXXX XXXX XXXX. 
I actually have two more accounts that are reporting on XXXX and XXXX that are not reporting on Equifax. I contacted XXXX XXXX XXXXXXXX and they stated that all acounts should be reporting on Equifax. 

The addition accounts not reporting from XXXX XXXX XXXXXXXX are : XXXX and account XXXX. 

If XXXX XXXX XXXXXXXX XXXX XXXX are reporting three accounts to Equifax then three accounts should be on the report and match the remaining two reports from XXXX and XXXX since XXXX XXXX XXXXXXXX reports to all three credit bueraus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of XXXX I had seen my mortgage company, phh mortgage, over charging me for my escrow. They said it was being underpaid. However I had told them we have exemptions, homestead exemptions for the state of Texas. I had asked for them to review the account and payments. The representative said they would work on it and have it resolved in 10 business days. 2 months had passed and no assessment or review had been done. On XX/XX/XXXX I had called again wondering what the status was. The mortgage company had no idea of review and I had said I have proof with my tax statement and homestead verification, they asked me to email it and within 10 business days it will be resolved. 1 month had passed and nothing had been done. I had called again and they found my paperwork but had no answers, finally I kept escalating the matter and spoke with a manager that said gave me a 2 day turnaround. Yet still nothing has been done. They have sent over closing documents to my new Mortgage company so i can refinance and they had a XXXX balance that was due on escrow. Even with verified proof, documentation, multiple calls, and months of waiting they have overcharged my account and overbilling my closing statement for roughly XXXX usd. I am about to lose my rates, and money because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter addressed to the XXXX Credit Bureau requesting to conduct an investigation and correct the information being reported. The XXXX credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}

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 2022-07-26
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries XXXX XXXX  Date of Inquiry XX/XX/2021

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 2022-01-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent a message through the mobile app on XX/XX/22 regarding my Nrewards Secured credit card to get an answer as to why my card was not converted to an unsecured, even though I have had the account for about a year and half now. I received a reply back on XX/XX/22 stating that it was due to my credit score. I sent a response back on XX/XX/22 stating that I have an open account for an unsecured card prior to my Secured Credit Card being open and my XXXXredit score was lower at the time. I also noted that their website did not mention credit approval as a requirement for determining a secured credit card conversion in their Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: SD
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 closed my XXXX secured credit building card years ago and have disputed the fact that Equifax is still showing that there is a balance and the account is still open. I've disputed it several times and it's affecting my credit. I have screenshots. XXXX XXXX  upon being questioned by me if they were contacted and stated that they were in fact contacted and informed the credit reporting agency thar the account was closed and with a {$0.00} balance, because it was a secured card you don't carry a balance. please inform them that my next action will be a lawsuit.

Company response to consumer: In progress
Consumer complaint received 2020-08-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to set up my automatic monthly payment from my checking account to pay more than the minimum payment due with my Discover card. 
I have been trying on their website, and by telephone. It will only pay the minimum. If I try to modify the payment amount I get a " this page is unavailable '' webpage. I have not tried paying by mail yet. My most recent attempts by phone and on the website were on XX/XX/2020. The lady at the website could not alter the payment amount either. I will file this complaint, and perhaps also try a different web browser. I usually only use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Onward Credit Holdings, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from XXXX XXXX on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I previously submitted this complaint and no resolution was reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are receiving repeated calls from XXXX XXXX at Transworld Collections. We do not owe anyone money. These calls are harassing and occurs 1-2 times per-day. We know this is a scam. Our credit rating is very high and our debt not in question. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: SC
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:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1400.00} Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Past Due : {$1400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This is a violation of the FCRA and is also in violation requisite XXXX XXXXCompliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Please remove any extra names and addresses on my report. They do not belong to me. I only want one address reporting on my credit report. I provided both proof of ID and address in the documents upload below.

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 2018-04-17
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.

They have not treated me with basic decency and I believe they are purposefully keeping my money.

Company response to consumer: Closed with explanation