BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 originally purchased ( XX/XX/20 ) a XXXX XXXX XXXX with my XXXX credit card through TD Bank. The sale price of that phone was reduced with a trade-in of my current phone. The phone that I traded in was XXXX. The amount agreed upon for trade value was {$500.00}. The amount that XXXXTD Bank gave me was {$290.00}. I then started to experience problems with the new phone ( XXXX XXXX XXXX XXXX. 

I then returned the XXXX XXXX XXXX for a full refund within the 30 day waiting period. The refund that I received for the return did not include the full value of the purchase plus return. I then ordered XXXX XXXXXX/XX/XXXX ( XX/XX/20 ) and was charged double for that phone. 

I have spent over 12 hours in total on the phone with XXXX support and TD Bank trying to resolve this matter. At this point I am still being charged double for my phone and have not received the credit for my {$500.00} trade-in XXXX phone. I also received an email that my trade value was accepted on XX/XX/20.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX I made a payment for {$200.00} with US Bank. The agent that I made the payment with led me to believe that that it also covered payment due for XX/XX/2023 and the next payment due was for XX/XX/2023. However, when I called today, I was informed the account was 30 days past due. I will be making a payment to bring the account current on Monday XX/XX/2023.

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 2022-03-04
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-06-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.

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 2023-03-21
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Victoria Secret CC Charge Off states I owe {$1200.00} I never opened this card it is not mines or have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my name in XXXX. 

I havent used a credit card since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.

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 2019-06-06
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX who put my loan into an escrow loan which paid my property and insurance premium. In XX/XX/XXXX I received a notice the taxes had not been paid on my XXXX 27X64 XXXX  Home located at XXXX XXXX XXXX XXXX XXXX SC XXXX. Map # XXXX. Taxes due on XX/XX/XXXX were {$380.00} which are now {$500.00} with the penalties of nonpayment. I have contacted XXXX XXXX and got a rep who informed me they had sold my mortgage and transferred it in XX/XX/XXXX and they did not have my escrow anymore. Since it was not longer under them did they want me to pay the taxes out of their pockets. Rude Representative for this company since they are the ones that did not pay my taxes. I contacted Faye Services the same day and was told they would look into it and call me back which they have not. I called Faye Servicing again when I received another late notice and was told the same thing. I called the XXXX Tax Assessor 's office and spoke with XXXX, she informed me the taxes had not been paid and that someone called on XX/XX/XXXX to inquire about them from the mortgage company. I called Faye Servicing today and spoke with XXXX XXXX the Acct Mgr, she told me she would check on it and call me back. Once again I have been told that again. I have now received a certified letter stating if the taxes are not paid by XX/XX/XXXX my home will be placed up for sale. This means that a Notice will be placed on my property for everyone to see that my taxes have not been paid. That will cause embarrassment to me and my family. This has cause loss of time from my job to follow up with Faye Servicing,  XXXX XXXX and XXXX County, I have also had to make unnecessary trips to the PO to sign for registered letters. This company has me pay {$340.00} monthly to my escrow account and they can not take time to service their customers properly to insure they do not loose their homes. Faye Servicing XXXX is the customer service #. XXXX is the Account Manager 's email address. Faye Servicing XXXX XXXX XXXX XXXX IL XXXX and Faye Servicing XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AmSher Collection Services has furnished an inaccurate on my credit report and never contacted or provided me with any proof that I lawfully owe this alleged debt. I am imploring the CFPB to hold them accountable to delete this account because they never validated or verified this alleged debt in accordance with federal laws. I have attached my cease-and-desist letter which I sent them below. They received it on XX/XX/2021 and pursuant to federal law upon receipt this letter has immediate effect. AmSher Collection Services is therefore illegally communicating and sharing information about this alleged account with several credit reporting agencies. They do not have my consent to do this anymore and may not contact me directly ever as my cease-and-desist letter clarify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX  # XXXXXXXX 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 2023-03-03
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In the last week, I have applied numerous times to the Apple Credit Card, My GM Rewards Card, and My GM Rewards Business Card, after the application I was asked to upload my driver 's license and so I did. I actually included my 2 names and my 2 last names because they came back unable to verify identification information. At this point, I don't know who to talk to anymore or what else to do and they are not telling me anything else. They tell me to re-apply again and again and then they told me I have applied too many times in the last 30 days so they are back and forth. At this point, I don't know if they know whats my name and my last name but this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MACYS/CBNA Balance {$960.00} Date open XXXX XX/XX/2015 XXXX has not removed this negative mark in my credit report, I can demonstrate with proof that this account does not belong to me. 
I did an investigation this company sent me a report showing that they open the account with a social security number also my name and address, that does not correspond to me this potentially affects me to apply any kind of credit or a job where I have already been rejected.

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 2021-08-08
Company: EQUIFAX, 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:
I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to the 3 credit bureaus months ago about some inquires some i did and some i didnt do i never recieved anything back and nothing changed

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 2022-10-30
Company: EQUIFAX, 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:
On XXXX XX/XX/2022 XXXX XXXX violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Block, Inc.
State: NY
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:
XX/XX/2023, XXXX made a payment of {$200.00} to me through Cash App. When I went to cash out Cash App offered a debit card. I thought it would be nice to add to my business. I got the card, and went to check the availability. It says I have XXXX XXXX XXXX XXXX dollars. I checked my other bank account, and nothing was deposited. I checked the Cash App account, and it says XXXX made the payment, but it isn't in the account to use. No info on where it went. I tried reaching out to Cash App, but they don't have customer service. It's a bot that tells you it'll get someone, and I've been waiting for over 30 minutes. I tried getting the bots attention, but it isn't responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Convergent outsourcing is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for this dispute.

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 2018-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts on my credit report with Equifax, That Equifax knowingly placed on my credit reports even after being sent a signed law enforcement Identity Theft Affidavit clearly explaining the crime, and clearly showing the unauthorized accounts. These accounts include a Line of Credit from XXXX XXXX, an Auto Loan from XXXX XXXX both of which the company was notified that I am a victim of Identity theft and that I did not authorize this account to be opened in my name when my wallet was stolen it contained my social security card, my email addresses and my additionally contained my Drivers License. I never received any cards or account information from these accounts, Therefore I did not authorize these I never signed any cards and the accounts were opened at an address I haven't ever lived at. In addition to these two accounts, Equifax allowed for XXXX XXXX to place two UNAUTHORIZED FRAUDULENT Credit cards on my credit report, and XXXX XXXX XXXX credit card on my credit report. They have been notified these are contained on the Identity Theft Affidavit that Equifax was sent and I will re attach here once again. These accounts not only show the incorrect credit limit but each of these instituions were notified that I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report

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 2021-01-01
Company: EQUIFAX, INC.
State: NV
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:
The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.

Company response to consumer: Closed with explanation