BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
State: AZ
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:
Hello, I have had my Discover Secured credit card for about a year and a half and opened my account early 2020. I was told after 7 months of holding my account I would be upgraded to unsecured. I have reached out a few times and they say that they have no control and that the computer decides for them. In the time I have opened the account I have established a {$26000.00} car loan and have never missed a payment, have gotten a car lease and since payed and closed the account with zero missed payments, currently hold a {$400.00} loan with perfect payment history, a Military credit card with an {$1100.00} credit limit with zero missed payments since opening a year and a half ago, a XXXX XXXXXXXX unsecured card with perfect payment history, and an XXXX XXXX XXXX with a {$1500.00} credit line and perfect payment history. I have roughly {$4200.00} in credit between my five credit cards and have never missed a payment on any. In my 16 months of holding a Discover Card and always making my payments on time I feel it must be some type of error that I have not been unsecured at this point in time and Discover will not look further into my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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:
I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers. 


Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.

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 2023-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Today is XX/XX/2023. Equifax is reporting inaccurate information on the consumer " credit '' report. 
Under personal information the only name that is correct is XXXX ' XXXX and the current location of the consumer is XXXX XXXX XXXX XXXX, Michigan XXXX. 
please correct the following inaccuracies seeing your agency have assumed a vital role in protecting consumers rights privacy and the laws that protect consumers. 

please delete the following within the next 30 days! 
XXXX XXXX XXXX Please delete the following locations : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please delete XXXX XXXX XXXX THE original creditor is missing as well as company sold past due amount missing payment history inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. the finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance separately. REGIONAL ACCEPTANCE CORPORATION have ignored my Cease an Desist demands pursuant to 15 USC 1692c. ( c ) ( 2 ).

PURSUANT TO 15 USC 1692 ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT THERE ARE MANY MORE OF MY RIGHTS THAT HAVE BEEN VIOLATED BY REGIONAL ACCEPTANCE CORPORATION. REGIONAL ACCEPTANCE CORPORATION has also violated 15 USC 1692d, 15 USC 1692g, 15 USC 1692b. ( 5 ), 15 USC 1692b. ( 2 ), 15 USC 1692f. ( 8 ), 15 USC 1692j.
THEY HAVE ALSO VIOLATED MY TILA ( TRUTH IN LENDING ACT ) RIGHTS PURSUANT TO 15 USC 1601 AS WELL AS MY FCRA ( FAIR CREDIT REPORTING ACT ) RIGHTS PURSUANT TO 15 USC 1681, AND 15 USC 6802 Violation of 15 USC 1611 ( Criminal Liability ) REGIONAL ACCEPTANCE CORPORATION willfully and knowingly did not disclose Right to Rescission and is criminally liable. Penalty for said violation pursuant to 15 USC 1611 carries a fine no more than {$5000.00} or imprisoned not more than one year or both.

Violation of 15 USC 1601 ( Civil Liability ) Under ( TILA ) Truth In Lending Act neglecting to disclose the Right to Rescind carries a fine of double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 Violation of 15 USC 1605 Accepting cash as payment for finance charge and monthly payments thereafter. Knowingly excluding insurance in finance charge. Penalty for said violation is double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 ( a )

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 2024-01-17
Company: Experian Information Solutions Inc.
State: MO
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:
The following screen shots show this fraudulent, neglecting scamming company procedures to stall and keep people 's scores low, look at all the disputes they lie and say you can view on line and NONE are available but you must call this none English speaking person who wants my whole social security number but can't do anything to help but once you say your recording they HANG UP, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM

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 2021-08-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Home Depot Credit Card, Illegal Action on Account Closed On XX/XX/XXXX, I received a letter ( Not dated ) from XXXX XXXX XXXX, XXXX XXXX, SD XXXX THD/CBNA/ XXXX XXXX stating that the Home Depot Credit Card Account terms would be changed on XX/XX/XXXX. 

I do purchase from XXXX XXXX for house maintenance and repairs. I was induced to get this credit card by a XXXX XXXX personnel based on some discount on purchases. I only used that card on some purchases and stop because it was easy to charge to another card. 

When I received their letter, I did not agree with the changes of terms. On XX/XX/XXXX, I called the number XXXX and closed the account. My wife is witness that because we cancelled both our credit cards. Today, XX/XX/XXXX I am receiving a notice from XXXX  that THD/CBNA still open and that they had lower my credit limit impacting in my credit score report. 

That seems like an illegal financial retaliation from THD/CBNA and fraud because I officially closed this account. A financial institution can not act on closed accounts to lower credit limit or scores.

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 2023-06-06
Company: Paypal Holdings, Inc
State: TX
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:
I paid XXXX XXXX XXXX for a premium website. XX/XX/2022 XXXX XXXX timetable was 30 days for a website. 
In XXXX, they stop talking to me on the phone and email. 
I inform PAY-PAL, about two after the call to Pay-Pal XXXX XXXX, called on the phone and email about draft, them would be sending me and they did, but it was bad.it had more quesstions.. after the draft, they stop talking to me I inform PAY-PAL PAY=PAL telling me didn't follow the right steps this a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: AMERISAVE MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we contacted AmeriSave Mortgage regarding a new loan application. KNOWING that we had to be 2 years discharged from a Chapter XXXX bankruptcy before we could apply for a new mortgage we decided to call and get pre-approved. When speaking on the phone with the XXXX from Amerisave for 18 minutes, we clarified NUMEROUS times with them that they were able to do a loan for us with a discharge of 2 years from ChptrXXXX and she reiterated 4x throughout the conversation and us asking repeatedly to verify they were able to YES. After each yes she gave, we then would provide more info and then repeat the situation for clarification and continue to get the same answer of YES each time. We then agreed at that point because we were told multiple times that yes they can provide a loan for us with a 2 year discharge from Chptr XXXX to have our credit pulled. Mind you we have been working very hard on our credit and have been very cautious with applying as we know this will lower your score some and an inquiry stays for 2 years. She then pulls our credit, says everything looks great, I am going to work on the preapproval for the property and I will call you back. However, when she calls back she then says, I am sorry we can't do anything for you as your discharge needs to be 4 years out. I said, we CLARIFIED this many times with you prior to allowing you to access our credit and you told us the same thing every time, yes 2 years discharge from Chptr XXXX She says well, I am sorry its 4 years, I thought you were talking about a Chptr XXXX. 

We would have NEVER allowed access to our credit if this was the case. We KNEW ourselves exactly what the requirements were for and questioned her multiple x. This seems to be a fraudulent way to gain access to a person ( s ) credit when they blatantly lie to you and then pull it because you are misled by the XXXX. We are now stuck with this lender inquiry for 2 years because of the companies deception. How do we remove these?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Certegy Holdings, LLC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America is reporting incorrect dates on my closed credit card account, on my free annual credit report on XXXX, XXXX, and XXXX  it shows account was opened XX/XX/2014, now on the XXXX  app on my XXXX, XXXX, and XXXX  it shows account opened as XX/XX/2014 I will attach photos for reference but by law it states i as a consumer will be entitled to a fair and accurate reporting under FCRA and this isnt accurate reporting and as such I request Bank of America to remove this account from all three bureaus for inaccurate reporting

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 2023-01-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unauthorized hard inquiry from XXXX XXXX I monitor my credit regularly, and as soon as I saw this I disputed it with equifax and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
Equifax was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We cancelled the contract as we never took delivery of the piano. The company XXXX XXXX now owned by Synchrony Bank did not cancel the contract when notified by the vendor XXXX XXXX for three weeks. This is also after I spoke with a customer service rep and told them I did not take delivery and to cancel my payments. I cancelled the aagrement in the end of XXXX after making the XXXX payment. I was told that since I had a an autmatic payment they had to take the payment in XXXX as well. Then after accepting the cancelled contact they as if today have not sent me a check for the payments we made before and after the cancellation which they continued to take. I have repeatedly asked to speak to a supervisor, and no one has ever called back. I am told they mailed a check from XXXX XXXX on XXXX and it should take up to three weeks for it to be received in XXXX XXXX. It is over three weeks I have not received my money back, and have had zero communication from anyone in authority. 

UPDATE - Last night ireceived the check which was drawn on XX/XX/XXXX as I was informed but the postmark on the envelope shows the check was mailed XX/XX/XXXX. they delibetrately held the check for over three weeks before sending it to me.

I am fortruantely in a position where the money was not needed, but I am writing this specifically that they should be sanctioned or otherwise investigated as this is obviously a policy of the banks. As I was repeatedly told it takes up to three weeks from when it is mailed to arrive. They have conditioned their customer wservice people to use this line over and over as I have heard it for the last three weeks on numerous occasion.

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This month a collection debt for {$470.00} dollars appeared on my credit report. I have disputed it with all the credit companies, and nothing has changed. It says it's a collection account from XX/XX/2023... I have had XXXX XXXX XXXX  for well over 4 years. It also does not have any attached information, everything is blank except for saying " original creditor is XXXX ''. A couple years ago I repeatedly disputed a XXXX account that was a " XXXX  '' account line ( I'm nowhere near that age ) nor have any knowledge of that. I'm currently trying to build my credit so my family can get a house and this repeated debt that isn't mine is prohibiting me from doing that by further wrecking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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 XXXX XXXX XXXX  # XXXX and # 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

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