BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: DE
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX Balance : - DE CHILD SUP ENFRCMT XXXX Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Alphaeon to receive a payoff on the account on XXXX and paid said amount. On XXXX, ten days later, I received a notice for more interest owed after payoff amount was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: DE
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Bread Financial Holdings, Inc.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Comenity Bank discovered fraudulent charges, to stop the charges we were told to cancel the card were made on. Comenity Bank then allowed the charges to be made on a different card on the account.! 0 months later they will not tell us why they allowed the fraudulent charges. 

On XX/XX/2020 we were contacted by Comenity Banks Fraud department concerning possible fraud on our BJ 's Mastercard Account. There were four charges for just under {$100.00} from businesses we didn't know. We asked them to cancel those charges and we were told the only way to do so, was to cancel the card issued to XXXX XXXX. Which we did. We later found out that those charges were transferred to XXXX XXXX 's card and an additional four charges from the same businesses were charged to XXXX XXXX XXXX card. We then had to cancel XXXX XXXX XXXX card to stop the charges. If Comenity Bank had told us to cancel both cards we would have. Now we are out {$800.00}. Comenity Bank is telling us that XXXX XXXX operated under their terms of agreement, so we are liable for everything. I have attached all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting a debt that was paid. 
CREDITOR INFO AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2018 BALANCE {$0.00} ORIGINAL CREDITOR 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 explanation
Consumer complaint received 2020-01-17
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: Billing dispute for services

Complaint:
I recently bought Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is XXXX XXXX XXXX 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work XXXX This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} XXXX shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that XXXX XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of Hayt, Hayt & Landau attempting to collect an amount they claimed was due to XXXX XXXX XXXX by me. A dispute letter was sent to both the law firm and XXXX XXXXXXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff XXXX XXXX XXXXXXXX.

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 2023-11-16
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 was result of identity theft

Complaint:
A loan was taken out in my name at XXXX XXXX. I've disputed it with the bank now I'm disputing it with National Credit adjusters , LLC. National Credit Adjusters told me that the money was transferred to a XXXX XXXX XXXXXXXX account. I do not have a XXXX  XXXX XXXX account to transfer money too. This has been on my credit for over a year and still has not been cleaned up or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For reasons I do not understand, I discovered that a fraudulent Chime account was created in my name, using my email, XXXX, mailing address, and other personal information. I called Chime to try and report this fraud, however could not talk to a real person. To make any progress to address this problem, I had to setup an online profile and download the Chime app. Upon opening the app for the first time, I was immediately offered a four figure loan, which I declined. I opened the chat function in the app to explain that my account was fake and the result of identity theft. Chime Support replied that they could help me, but the only way to close my account was to provide Chime ( who may very well have a hand in this fraud ) with the last four of my SSN. Initially I refused to do so, but seeing no other option, I closed my account via the app ( providing the requisite information ) and promptly deleted the app from my phone. A few days later I received a Chime credit card, which I destroyed. A week later, I received a client communication from Chime, despite the fact that I have done what I can to close the fake account and discontinue any relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: AL
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.

U S DEPT OF EDXXXX ( 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 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, 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 non-monetary relief
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have problem with my credit score with XXXX and TransUnion. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in TransUnion was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with XXXX and TransUnion earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: MI
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 any XXXX Accounts that have bad standings and reports, 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 an 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 explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First of all My loan was sold from XXXX to XXXX XXXX. I did not know where to send payments so I saved them. In XX/XX/XXXX i contracted XXXX. And lived off of these payments. My mortgage went into foreclosure, i talked to the attorney 's office that filed the forclourse, XXXX XXXX XXXX, because I owed a low amount, I told them I wanted to sell the house and pay off the mortgage they told me this was a great plan, because of covid they couldnt forclose while I was living there. I put the house up for sell, had a buyer moved out, then they filed for forclourse with an aution and 20 day eviction. My buyer backed out. So i filed XXXX  XXXX bankruptcy. While this is going on squatters moved in, trashed house, which I then had to clean and repair, put house back up for sell. I knew I couldn't continue to afford bankruptcy. So Ive agreed with attorney to drop it. I currently have 2 offers on house for more than I owe, but XXXX  XXXX, Loan care, and the attorney 's group representing them refuses to work with me or allow me to sell it. Since XXXX I have paid over XXXX for this home, after spending over XXXX. In attorney fees and repairs Im broke, I have XXXX XXXX and working is becoming more difficult every year. I dont have rent for this month so may need to move back in home, or i will be XXXX  at XXXX XXXX XXXX. I don't understand why they are refusing to let me sell it when it would pay them in full including all the additional fees which increase by the month, and would allow me to live somewhere else. I was told that ir " might '' be because the company would make more reporting it as a loss due to covid than me repaying them 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 2022-02-24
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a phone call from a woman with phone number XXXX, claiming to be a representative from my bank Amtrust ( New York Community Bank ). The woman wanted to know what " money line '' was and who was this I was sending my money to? When I XXXX the phone number, XXXX belonged to a private resident so I immediately hung up, thinking it was a scam. I went in person to a local branch closet to my house and the bank representative said there is no problem with my account and could not understand why the other branch was calling me, unless it was for a fraud check or to sell an extra account. 

On XX/XX/XXXX I received a phone call from the same number claiming to be my bank Amtrust ( New York Community Bank ) and she wanted to make sure I wasn't being scammed and who am I sending and receiving money from in my checking account? I told her the online transfers are legitimate. The female representative then asked would I be interested in an extra business checking account in addition to my personal checking account? I said no, because I do not have a business. She then said that you look like you are running a business and " My XXXX XXXX Checking '' is only for personal accounts. I then told her if she was in the banking business or XXXX  XXXX XXXX XXXX she would see that it is a banking/brokerage account. I do not need any unnecessary business checking account. Thank you. I then called the corporate office and the representative " XXXX '' checked my account and said he could not find any problems. 

On XX/XX/XXXX, I received a certified letter from Amtrust ( New York Community Bank ) that my account will be closed in one month for no specified reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Westlake Services, LLC
State: TN
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 discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " WESTLAKE PORTFOLIO MANAGEMENT " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " WESTLAKE PORTFOLIO MANAGEMENT " and " XXXX ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division 950 Pennsylvania Ave., NW Room 3322 Washington , DC 20530 https : //www.justice.gov/atr/citizen-complaint-center

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