BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint to Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXXXXXX XXXX XXXX XXXXXXXX section XXXX .States I have the right to privacy XXXX. XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Delete this account ASAP

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 2019-01-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX  reported a collection account to my Equifax file. I received notification from Equifax and submitted a dispute. Equifax responded saying, " We verified this item belongs to you. '' I have no knowledge of ever receiving services from XXXX XXXX XXXX XXXX XXXX and I have no idea who or where they are. I have never received any bill from them and can not locate them to ask questions about the charge. Collection agency XXXX XXXX  XXXX has never contacted me by any method to attempt to verify or collect. They simply reported it to my Equifax file. XXXX XXXX XXXX does not answer their telephone : I called numerous times over 8 days and got the same recording every time, " XXXX XXXX XXXX is not answering. This mailbox is full and can not accept new messages. To disconnect, press 1. '' XXXX XXXX  XXXX has effectively blocked me from obtaining any information about this charge, and instead damaged my credit by reporting a charge I have no knowledge of and have no way to get more information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Exeter Finance Corp.
State: GA
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 repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is Exeter finance Corp & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to Exeter finance Corp. and the credit bureaus because this is ridiculous! I have rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MD
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX XXXX and have had a chase slate visa credit card that I have used for approximately 15 years. It has been central to my making large purchases over the years specifically for my property repairs which in XXXX were significant and also in XX/XX/XXXX. I did not have a need to use the card through the XXXX holidays. I try to pay my balance off each month and have had no lates as far as i can remember. 
When COVID showed up here in XXXX XXXX County in early XXXX I took steps to protect myself as a highy at risk of death should i contract COVID. I have sheltered in place since. During this time the government issued a pause or forebarence stave off negative actions by banks, landlords, and other credit lenders. 
I recently attempted to use my card XX/XX/XXXX and it did not work. I immediately called chase and they said the card had not been used and was closed. I appealed to chase management noting the pause and governmentstay at home but that did nothing. 
I felt that i was being targeted because I was older and may be a poorer risk. Why would they do this during a shelter in place especially in a Covid hotspot XXXX XXXX County! I can not get out of my house and I certainly do not want to run up debt. They offer people who can not pay their bills all kinds of help during the pandemic but retaliate against older people who have excellent credit and money management. One would think that the same credit pause issued by the government would apply to those with good credit. Chase is targeting the elderly during a pandemic crisis. This card had a high credit limit which insures I protect my property in case large repairs are needed or other urgent needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: DISCOVER BANK
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. 

As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX  and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: SYNCHRONY FINANCIAL
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-26
Company: AmeriCollect
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company put medical debt on my credit report causing irreparable damage to my credit score and the cost of great interest rates. The collection company ( Americollect ) when contacted mentioned XXXX XXXX did not process the medical procedure properly, causing the derogative information being put on all 3 credit bureaus. I have state medical insurance and do not receive medical bills because XXXX DC XXXX XXXX takes care of all my medical bills and any associated procedure needed. The collection company said the office processed the claim and cause my credit score to take a harmful dive and caused harship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX  and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased. 
Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there! 
XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing. 
Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated!

You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: IL
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:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiry request as listed below.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Continental Finance Company, LLC
State: NC
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 received a copy f my credit report where XXXX Continental Bank continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from Continental Bank / XXXX XXXX XXXX for ID

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