BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: NV
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:
Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original CreditoXXXX : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-10-02
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.

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 monetary relief
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. 

On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. 

On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently got my credit card limit decreased by XXXX from XXXX to XXXX. I received a letter XX/XX/2019 with an explanation that is due to the length of time revolving accounts have been established. I have called customer service XX/XX/XXXX, XXXX & XXXX in hope that I will be treated fairly and have my limit restored, however after answering personal questions as to why I used the card and why my debt is high, I was denied of my request. I have been a customer for 5 years and it seems like XXXX does not care about that. At all the times I called, there was no negotiating and the scrips reps were reading from were very good in reversing the blame onto the customer. I was told that my limit can be restored but when I pay off most of my debt, so, for now, they have lowered the limit to where I am maxed out on XXXX and therefore my monthly payments will be much higher. I am disappointed in how I was treated and how XXXX does not fulfill their promise - " ensure that all customers are treated fairly, effectively and promptly. ''

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 2021-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced with my original lender pennymac in XXXX. The loan officer said that I qualified for a program to take my PMI off, because I have great credit. Fast forward to XXXX I called again to possibly refinance and get information. The loan officer I spoke with informed me that the PMI was put on the back end of my loan. I had no knowledge of this and that was not what I was told. Is there anything that I can do? I was definitely not informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: NV
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 was not advised nor did I allow the bankruptcy information to be added to my Experian credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.

604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.

615 ( a ) requires the user to notify the consumer.

Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada  was the furnisher of the information. When in fact a third-party XXXXs ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of  Nevada  does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

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 2017-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to access the report using the dispute process but could not. This is not the first time this has happened.

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 2017-12-26
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:
In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( 3-4 ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act account # 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

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 2017-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2019 My Wife had her Hours Cut back and I had taken the car in for warranty and ended up paying almost XXXX in repairs this all caused me to miss my XXXX payment So in XXXX I contacted the lender Loan-Depot advised them of the difficulty and Made My Payment For XXXX this put me one month behind I was still due for XXXX in late XXXX a VA lender Contacted me by Phone XXXX was his name he Offered a VA Stream Line loan for XXXX 2.99 % Payment of XXXX XXXX this would lower my payment by XXXX a Month this was A scam and it cost me XXXX So called loan-depot and talk to the mitigation Depart That sent me a Loan Modification Application Witch Filled out & Fax it back to them I was told that it would be 30 days before I hear any thing on XXXX 2019 I was told that I was denied due to the fact that I did not have XXXX payments on the loan I was told to contact My VA rep Called her and She informed me all they needed to due was send a letter Asking for a Pre approval Letter and they need to refer to Va Handbook MA264 Chapter 6 it clearly stats that what they can do or not do this is they fail to Fallow the handbook I then called loan-Depot and informed them and was told to File an Appeal on the grounds that they need to get a Pre Approval letter and would be able to do the Loan Modification It was denied XX/XX/2019 XXXX is the VA Loan servicer and loan-Depot is the VA lender Both knew about the VA handbook MA26-4 I also have Contact Atty.and sent complaint to XXXX XXXX XXXXXXXX and it will be sent the under sec.of the VA for Investigation filed complaint with the OCC for cenlar, s Action as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: PA
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 was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX  was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is Equifax. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from Equifax. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation