BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello I purchased my home in XXXX, XXXX and I closed on XX/XX/2023 at closing the title company wrote some checks to payoff some balances on a few credit cards and Comenity Bank/ Wayfair was one of them. On XXXX XXXX I mailed a check in the amount of {$3600.00} to Comenity Bank/ Wayfair . I mailed this check Priority mail with signature required through the USPS. On XXXX XXXX at XXXX check was delivered picked up at the Comenity Bank/Wayfair XXXX XXXX XXXX XXXX XXXX I have called Wayfair numerous times all ikeep getting is that they are investigating it. It is XXXX XXXX and the check is still not posted to my account. Every time I call iget the same nonsense answers and no results. They can't even tell me if they have the check in hand which they should because it was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a forgotten urgent care ( XXXX XXXX  ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month.

RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am the holder of a SEARS credit card under account # XXXX since XXXX and have a current balance of approximately {$170.00}. 

Without my consent or permission SEARS took the liberty to issue a " SHOP YOUR WAY '' Mastercard from CITIBANK and I only knew of this change a few days ago when I received the actual card in the mail.The mailing stated that " this new card replaces your Sears Card. Please destroy your Sears Card ( s ) as it is no longer valid. '' It is obvious that SEARS and CITIBANK co-conspired to dupe customers as follows : SEARS had a long list of card holders with financial information as to their credit worthiness and CITIBANK was provided that list to issue credit cards for their benefit by calling it a " replacement card '' when in actuality " SHOP YOUR WAY '' is a Mastercard that can be used anywhere, not just in SEARS stores or online shopping.

I do not want the " SHOP YOUR WAY '' Mastercard as I am already a holder of a Citibank Mastercard and have maintained this account for a number of years. I find that SEARS and CITIBANK conspired to arbitrarily issue credit cards to consumers who didn't apply and this is simply a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report reflects XXXX accounts that I was an authorized user on these accounts. The accounts are XXXX with XXXX and XXXX account with XXXX XXXX XXXX. Upon my mother 's death the XXXX accounts were provided a copy of the death certificate. My mother was the primary account holder on these accounts. I did not have a financial responsibility on these accounts.

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 2023-08-14
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a final goodwill attempt to have Equifax and XXXX to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy. 

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX promptly deleted it. 

FCRA Section 611 ( a ) ( 2 ) requires XXXX Equifax and XXXX XXXX ( which attached document shows XXXX XXXX attempted to dispute this with XXXX  and Equifax ) to  ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX Equifax and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my mortgage with Amerisave the mortgage company. 
I was provided the wrong loan number in XX/XX/2020 to make payment on my mortgage. The payment I made was for the amount of {$5200.00} that includes for two months of payment XXXX payment and XXXX payment. The money was misapplied to the wrong loan number, in XXXX XXXX, money was electronically taken from my account via bill pay, the money was applied to the loan number of XXXX, my actual loan number is XXXX. I have called numerous of times I have sent proof of payment, my bank have also sent proof of the transaction and the bill pay receipt. My mortgage company refused to fix the problem, they continue to charge me for the two months that I have already pay for, I just hope that someone could help me in this situation. I have submitted the bill pay receipt and my account transaction activity.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Target, XXXX XXXX. Target has sent many notices and phone calls. Have threatened me with a law suit. Have an attorney ( XXXX XXXX ). Want the threats stopped and notices stopped. XXXX is worse. 10-20 calls a day. 5-10 calls to my cell. Several notices a week. Again I have an attorney. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I never received my card and theres been multiple unauthorized transactions made on my account without my knowledge or consent payments were made to the card account and were authorized but their should be no transaction authorized to be on my account. 
Capital one has been giving name a hard time to fix my account according to my authorization and have closed my account without my knowledge and consent of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called my current loan servicer, which was XXXX at the time in XXXX after waiting on the telephone for more than 2 hours ( my loan servicer was formerly XXXX XXXX ; my loans transferred to XXXX on XX/XX/XXXXXXXX  ). I finally reached someone and told them I wanted to request a refund of my payments that were paid between XX/XX/XXXXXXXX  to XX/XX/XXXX. I was told my loans were in the process of being transferred to Mohela, so I had to contact them. I called Mohela, who told me to contact XXXX again because my loans had not been transferred to them yet. I called XXXX again for the second time after waiting more than 3 hours, and when I finally got through to someone, they told me they had to transfer my call to someone else if I wanted to request a refund. I told them I could not hold on the line any longer because I was at work and had to go see patients, so they gave me an e-mail address to request the refund. I sent XXXX an e-mail on XX/XX/XXXX requesting the refund, and I still have not received a response from them. Once Mohela became my loan servicer, I decided to call them to request the refund, but they had informed me that I had missed the deadline and was no longer eligible for a refund. I have submitted a complaint regarding my above experience through the studentaid.gov website on XX/XX/XXXX, and it is still an open case last I contacted them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express withdrew {$2900.00} from my XXXX XXXX XXXX account erroneously, they said they did so in error and confused my account with a different account holder. Did not tell me about this until I saw a credit appear just now in my AmEx account ( they illegally withdrew it from the bank and put it on the card ) and I started asking questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2017-01-11
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 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

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 2023-08-14
Company: EQUIFAX, INC.
State: FL
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: First Help Financial, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted XXXX XXXX, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manageXXXX at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation