BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant credit card About XXXX months ago I joined a debt management program. This specific account was not supposed to go into it. It's still somehow managed to get rolled into the program. I contacted both the debt management program and the creditor themselves and talked it out and they said it should be XXXX  days and everything will be squared away again. It is now about XXXX months later I can not use that card. Every month I go to make the payment I have trouble making the payment or I can't log into the account so I have to call. And every time after I call them I'm able to log in and make my payment but by then I have already incured another late fee. I have called multiple times to both programs creditor and the debt management program. The creditor themselves keeps telling me it's the XXXX fault that they're not sending them what they need to send them. The debt management program keeps telling me they have sent off the paperwork and they even sent me a copy of that paperwork which I will attach. Today I called Avant XXXX times got hung up on, yes I'm getting irate, yes I'm mad they keep telling me the same thing over and over the last rep I told her I didn't want her to tell me the same thing that they keep telling me because I keep hearing it back and forth to just listen to what I got to say and I get hung up on again. I just want to either be able to get into my account when I need to get into it and actually use the card. Or just close it and set up auto payments. Also I want these predatory late fees removed. Me not being able to make these payments until after I call and talk to someone every month is not the terms that we agreed upon when I signed up for this card. 

Also Avant told the debt management program they do not allow credit cards in these programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, 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 2021-05-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims.

I have disputed and disputed these 3 accounts with both XXXX and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. Comenity / XXXX XXXX XXXX. Comenity / XXXX  3. XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS I have been told by Comenity for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, Comenity continues to report these to XXXX. I have sent all of this documentation to XXXX and to Comenity multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report XX/XX/2022 and found multiple hard inquiries, that I did not sign or agreed to. 
I called Experian on XX/XX/2022 and asked them to remove the hard inquiries and he said that I don't have any hard inquiries on my credit report. I talked to my Mom, and she said to do a complaint here.

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 2021-11-04
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my TransUnion and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call TransUnion. 
I called TransUnion, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them TransUnion said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at TransUnion and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call TransUnion again. 
I called TransUnion, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what TransUnion said ( which is, not much ), and they said there's nothing they can do, it has to be solved by TransUnion. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-14
Company: EQUIFAX, INC.
State: TX
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.

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 2021-05-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is NOT mine. Im afraid my identity was jeopardized. I never owned a XXXX XXXX bank card ever! I am still going through issues with identity theft as of recent. Please remove from my credit report. I even hired a credit repair service specialist to try and help me resolve some of these issues. This particular one was deleted from my credit report about a year or so ago but came to find out that they sold my information to another XXXX and so it was placed back into my credit report. I have zero knowledge of this account. Its causing a lot of financial and emotional strain because its affecting my credit so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market.

3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all XXXX agencies and causing emotional stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : 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 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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  : Account # XXXXXXXX XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # XXXX & XXXX 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 2022-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint against XXXX Mortgage XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX IN XXXX Essentially, in computing my escrow account, they doubled my summer taxes. In Michigan we pay summer taxes which are much higher than winter taxes. For ex summer tax XXXX winter tax XXXX. Instead of estimating my winter tax based on the increase of summer tax, compared to XXXX or simple math and applying the new calculation, they DOUBLED my summer tax and increased my monthly house payment by XXXX a month. I called the spoke to the tax department XX/XX/XXXX and uploaded all proofs of winter tax I received and then followed up with them on Tuesday XX/XX/XXXX. They refuse to acknowledge their errors and insist I pay the additional XXXX a month until the city of XXXX Michigan publicly publishes the winter tax amount. So in essence their accounting practices are predatory in nature. Their research consists of going to the citys website and if new taxes are not published they double your most recently paid amount. Ive owned several homes and this has NEVER happened. I am hitting a brick wall with them and I did not chose this company but was sold to them. XXXX Mortgage XXXX XXXX is unethical, predatory and committing fraud on homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im reporting a company called Statebridge. Around XXXX, I had filed XXXX I was past due on mortgage payments and credit card-. I successfully finished the bankruptcy as of XXXX. Statebridge reps continued to say they never got the money from the courts and I still owed them what I paid in bankruptcy. Im XXXX, they refused my monthly payments and sent me back my checks. The customer service reps would hang up on me and laughed. They said I owed money from XXXX and tried to extort the same amount I paid in bankruptcy. They said if you pay XXXX XXXX we will accept your monthly payments. I reached out to the trustee and judge who set up the monthly payments that were paid in bankruptcy and said state bridge is indicating they did not receive the funds- I have the email. They were trying to extort money and told me to contact their lawyer and said I was in foreclosure in XXXX. They were trying to scam me out of more money and should be brought to justice. They lied and fraudulently increased the amount of my loan as well. I told them I was taking them to court for extortion. Now they are suing me for the amount that is past due since XX/XX/2020. I feel they set me up and scammed me. They violated XXXX XXXX XXXX and should be liable for extortion and fraud. I have an attorney and trying to sue state bridge. Last XXXX, they sold my loan to XXXXXXXX XXXX XXXX They have my loan amount incorrect. I want a full audit and investigation on my loan and Attorney XXXX XXXX who is a scammer and sued for extortion. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: I.C. System, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation 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 2023-07-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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