BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: The Bureaus, 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: Their investigation did not fix an error on your report

Complaint:
The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am submitting this claim due to a fraudulent contract. I was not given full disclosure about : The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. Regulation Z, 12 C.F.R. 1026.4 ( a ) The Truth in Lending Act ( TILA ) requires creditors to disclose key information about consumer credit transactions so that the consumer will be able to compare more readily the various credit terms available and avoid the uninformed use of credit. The finance charge disclosure informs consumers about the cost of credit expressed as a dollar amount. Violations include but are not limited to : My Contract says I can pay in Cash OR Credit! They got the Credit from using my social security ACCOUNT number. My contract also says You have agreed to buy the Vehicle from us on credit for the total sale price The total sale price is : {$22000.00} According to XXXX5 USC 1662 - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So They are in violation for requiring a down payment and I am entitled to compensation. My Contract also states : Security : You are giving a security interest in the goods or Vehicle being purchased SECURITY INTEREST.- The term " security interest '' means an interest ( including an interest established by a conditional sales contract, mortgage, equipment trust , or other lien or title retentio contract, or lease ) in a motor vehicle when the interest secures payment or performance of an obligation. THIS MEANS THE CAR WAS PAID IN FULL.

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 2019-08-07
Company: CITIBANK, N.A.
State: MO
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:
Credit card company converted my account billing from USPS mail to paperless without my knowledge nor consent. 

My credit card statement was mailed to my USPS mailbox in early XX/XX/XXXX. But, no statement was received in early XX/XX/XXXX, I contacted the CC company to ask about my bill. The customer service rep said that I was enrolled in paperless billing. 

I never signed up for paperless billing. I was never asked if I wanted paperless billing. CC company flipped me to paperless billing. 

This practice puts consumers at financial risk. If they wait for the bill to come, but it doesn't because the CC company flipped them to paperless without their knowledge, they are likely to pay bills late and incur penalties and interest charges.

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 2020-03-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Out of work due to covid-19 and can not afford to make mortgage payment on XX/XX/2020. Pennymac mortgage lender is only offering their forbearance program where at the end you pay back all missed payments upfront, increase your home loan until the payments missed are paid back or forced to change your home loan to a higher interest rate or 40 term loan. No deferment option available. It seems like the lender is profiting off of a pandemic and not actually trying to help their clients. My wife is out of work and XXXX, I am XXXX and have a XXXX. Being expected to just financially be able to afford a higher mortgage or higher payments in 3 short months is unreasonable in this time and a deferred payment option should be available, just like other lenders are doing and loan payments are doing. After speaking with customer service the lack of care for their clients staying in their homes is apparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was given XXXX American Express gift cards. 
On XX/XX/2023, I attempted to check the balance on their website ( https : //balance.amexgiftcard.com/ # / ). However, each time I checked I received this message, " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' I tried several other times within the next few hours. 

I also tried calling Amex to check the gift card balance. The number on the back of the card ( XXXX ) requires a XXXX security code to check the balance, but my card only has a XXXX security code. The automated system disconnects when I entered my XXXX code. I tried entering XXXX before the XXXX code, but that also resulted in being disconnected. 

I tried calling Amex customer service and was able to talk to someone briefly. I explained the issue ( " I want to check my gift card balances but the online system requires XXXX security codes, but my cards have XXXX security codes '' ) and she asked for the card number. I read the card number to her and she then asked if it was a gift card. I confirmed. She said that she must transfer me to the prepaid card department. The call was transferred to an automated system that asked if I wanted to open an account or check conditions of an existing account. There was not an option to ask for a representative. Bottomline : American Express failed to provide the information I needed about my gift card balance both online and over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to dispute the denial of my approved modification, for multiple reasons. 

* Selene was mailing documents to the wrong address ; you had my address listed : I was not informed in a timely manner that my loan was transferred from XXXX to Selene, I never received email, mail, or a phone call to notify me of the transfer. The first contact I received was mailed on XX/XX/2022. 

A payment was supposed to be drafted from my bank account on XX/XX/2022, and was not because the Selene Agent I spoke with via telephone entered the account number incorrectly. My account ends in XXXX, and the agent entered XXXX. 

* On XX/XX/2022, I received correspondence ( dated XX/XX/2022 ) that my account was now in default, and I called on Monday, XX/XX/2022. I spoke with an agent I believe it was XXXX and explained the situation, and let her know I would have my bank mail a check to Selene. I got paid on XX/XX/2022, and XXXX XXXX  sent a check on XX/XX/2022. On XX/XX/2022, I called and spoke with a different agent I believe XXXX, to figure out what happened to the check I mailed. I was informed the check was returned. When I received the correspondence dated XX/XX/2022, it stated as the payment is less than the agreed-upon amount required to cure the default on your loan, was not certified funds, or was not the agreed-upon amount. I was told to send the final payment in the amount of {$540.00} which was the agreed amount from the modification from XXXX, nor was I told to send certified funds. The letter also stated, we have been trying to reach you in reference to reference to this payment. The only contact was via letter, with no phone or email attempts. When I spoke with XXXX, I asked for the contact information for my Assigned Loan Resolution Consultant, but she could not provide the information requested. I am asking again who is the Assigned Loan Resolution Consultant, and how I contact them? 

In closing, I attempted to make the 3rd payment both attempts were made within 60 days of my initial contact from Selene which was on or about XX/XX/2022, when I received the correspondence dated XX/XX/2022. All I am attempting to do is save my home and have the modification agreement I had in place honored. Again I ask that I receive any and all communication via electronic mail, as phone and USPS to date have been ineffective. 

Thank you and I look forward to a timely response. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX  decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as XXXX XXXX adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of Ed/XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021XXXX XXXX Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account got locked and dispite me sending them every document they have asked MULTIPLE TIMES AND SPEAKING TO CHIME XXXX XXXX A DAY MY ACCOUNT IS STILL LOCKED AND I HAVE NO ACCESS TO MY FUNDS. I have proof of every document I sent to them and they still send back same email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Michigan XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my Experian report as well as a XXXX  XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please

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 2022-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Bread Financial Holdings, Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-10-26
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Information belongs to someone else

Complaint:
T

his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.

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