BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX XXXX the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years.

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and mental strain of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 after reviewing my credit report, I unauthorized inquiries that have appeared on my Experian credit profiles. These inquiries were not authorized by me, and I request their immediate removal from my credit reports. 

I have recently reviewed my credit reports from Experian and have identified the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB investigate this matter and ensure the prompt removal of these unauthorized inquiries from my Experian credit reports. I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.

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 2022-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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, VA XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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: Investigation took more than 30 days

Complaint:
I have late payments in XXXX because of COVID 19. I was affected by it then the late payments reporting this year XXXX I have paid and they still reporting that I havent paid it but I have for those months.

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 2022-09-27
Company: Bread Financial Holdings, Inc.
State: RI
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:
We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX  years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account. 

On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance. 

We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the listed accounts have 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 XXXXl # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Central Mortgage Funding, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I filed a complaint against a mortgage company ( central Mortgage ) on XXXX. This company has been calling me multiple times per day after they have replied to my initial complaint. I want them to stop calling me or I will take legal action. This is my second complaint to the CFPB and I want it to be the final.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is 2 ACCOUNTS on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified information to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified ACCOUNTS are XXXX XXXX  account number : XXXX. The second account account is XXXX XXXX XXXX account number : XXXX. These 2 accounts are not information related to any transaction by me as the consumer : ** [ enter information here with account name and number or inquiry name and date** 15 US Code 1681 c2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2023-10-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This AMEX giftcard has been very frustrating. While it claims to be able to be used wherever amex credit cards are accepted, this card has not been accepted anywhere. 

So, now, the person who purchased this for me thinks they gave me a nice {$500.00} gift, when in fact, AMEX took their money and has effectively kept it all. 

Support regarding this card has been nearly impossible. I tried calling their suggested number, and it does not allow you to speak to a representative. I called another AMEX number in hopes to get support that way, but the person who I spoke with could not help. 

This is simply not right. I have also seen several other complaints like this on XXXX, so this is clearly a known issue impacting several customers that AMEX has still not addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: SC
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:
I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's. 
These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, & XX/XX/2019 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent 2 Validation Letters To national Adjusters asking them to send me Proof or any Kind of Documents to showed me that i owe that Money they never sent a Single Document i called them and asked them to sent me proof Never Did i Finally File a Complain with XXXX XXXX XXXX 
i do not know this people they Violating My Rights and been Hurting My Credit Scores it Time for them to Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with CFPB in XXXX of XXXX and did not get a satisfactory outcome. CFPB Complaint ID : XXXX I did speak with XXXX from the CFPB on XX/XX/XXXX and she looked at my case. She told me to File the complaint with OCC, FTC Fraud Department and my states AG Office. Since then, I have filed complaints with the Michigan State AGs Office, FTC, OCC and North Carolina State AGs Office. In my filings to the other agencies, I explained of the filing in XXXX to the CFPB and the unsatisfactory response I received from the bank, Flagstar. In each complaint I was told to refile the complaint with the CFPB. I have attached the file with the complaint to the OCC, for more clarity. 
I just want the bank to treat us fairly in this situation, so my attorney advised that I file this one last complaint with the CFPB before we move ahead with a lawsuit.

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 2020-02-10
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear commissioner below is a carbon copy of the second letter we sent to our lender requesting help. We were told they were foreclosing on our property and we need your help. 

To : Specialize Loan Servicing Re : Loan number XXXX Via : Fax XXXX Date : XX/XX/2020 From : XXXX and XXXX XXXX XXXX Please see the attached hardship mortgage application for a forbearance agreement or for a residential workout program. We previously sent you a letter regarding my wife and I health problems due to sickness and old age. We have always paid our mortgage payment and have never been late for the past 15 plus years. We have recently moved in with family members until we can either sell our house or if unable to sell we are going to have a family member come live with us and occupy our home again. 

On Friday XX/XX/2020 we contacted your office and spoke to XXXX regarding our current situation and asked for solutions because our hardship is due to old age and sickness. XXXX was very clear that your company would not work with us and you were planning to foreclosure on our house. XXXX advised us because we previously did a modification agreement to lower our payment that no options were possible and she discourage me to not apply for the mortgage workout application. 

Because my wife and I have been hospitalized over the past few months we asked you in a written letter to communicate with our son XXXX XXXX and we provided you his phone number and address. However you continued to send all correspondence to our property address in which no one is living there currently and we put the property on the market for sale. 

We are requesting that you do not put our house on the market to foreclose on us it will make it difficult to sell the property. We would also like you to send us a short sale package we lived in a subdivision in which it has been many years since a property sold in our area. When I spoke to XXXX I had my son added to my loan as an authorized person to talk on my wife and I behalf. 

Please mail the financial hardship package to XXXX XXXX XXXX XXXX, VA XXXX or email to XXXX. We authorize you to speak to our son XXXX XXXX to discuss any and all questions at XXXX. 

The realtor that is handling the sale of the property is XXXX XXXX ( XXXX XXXX XXXX ) her phone number is XXXX. 

Cc : The Federal Consumer Complaint Division

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: AES/PHEAA
State: MD
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:
I submitted an employer certification form for the PSLF program back in XXXX and I still haven't heard whether or not the employer I have worked for since XXXX is qualified. They are in the system as approved and this is unacceptable that this is taking so long.

Company response to consumer: Closed with non-monetary relief