BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep getting emails about an upcoming payment on a Kay Jewelers credit account with a {$400.00} balance. I have never our based anything from Kay 's Jewelers. I keep being redirected from one number to another, each assuring me that the other number can resolve the issue. However, it's a never ending loop. I did ask one of the reps if they could pull up any accounts in my name so I could find out what kind of purchase " I '' had made and when they put my name in they reported that they see no purchases under my name. And then transferred me to the other number, because " they handle that ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
On XX/XX/2019 I disputed an account that was paid in full, I submitted evidence online that it was paid and on XX/XX/2019 they responded that the balance they are reporting is correct, how can this be correct when I paid it off and the 2 other major credit reporting agencies had updated their reports to show my balance was paid in full and closed. I have attached 2 snap shots of XXXX  and XXXX XXXX with those said accounts and the balance and when it was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters several months ago to XXXX, XXXX and Transunion about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NA 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 2023-02-15
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 Loandepot posted my wind insurance policy amount 2 times to my escrow account. They also posted an unidentified {$300.00} to the escrow account. This has caused a recalculation of my mortgage payment from {$1100.00} to {$1500.00}. The current payment is {$1400.00} which represents a 36 % increase due to Loandepot 's error, not mine. I can not afford to continue to pay the inflated amount which was caused by Loandepot. 

This has also caused my monthly extra principal payment to be posted to escrow instead of reducing my principal balance and interest paid since XX/XX/2022. 

I've called multiple times and was told they were correctly it, but today I had my autopayment returned and again, had to repay the increased amount to keep my mortgage in good standing. 

After 4 months of trying to get them to correct their own mistake, I'm reaching out to you in hopes that a complaint will force them to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Information belongs to someone else

Complaint:
I submitted a dispute and the information was NOT verified and is fraudulent. They refuse to remove the incorrect information from my credit report and are causing irreparable harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner that isn't fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and relevant. The continued reporting of such information means improper utilization of my information. 


XXXX data breach I am promised accuracy in my report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report. Under 15usc 1681 all valuable accurate information should be removed as you can see in your system you can't see this information in your system I will ask all negative remarks, hard inquiries, and collections be removed.

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 2021-11-13
Company: Support Collectors, 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:
On XX/XX/2021, Summit Account Resolution added a derogatory mark on my credit report per XXXX and XXXX. Upon further research, the account was transferred/ sold and I am no longer responsible for the account. A certified Debt Validation letter was delivered on XX/XX/2021 and in response, I received a bill. On XX/XX/2021 a second certified Debt Validation letter was sent. Debtors Creditor did not verify this debt. Also, there was NO written form of communications, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Summit Account Resolution, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions 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:
My identity was stolen. I did not authorize this account to be an open by any unauthorize person to do anything using my name or Social Security

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 2019-01-15
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is reporting an account in the amount of XXXX on my credit reports that has inaccurate information as far as amounts and dates that have been reaged. This account was opened by XXXX XXXX XXXX was opened XXXX XXXX of XX/XX/XXXX and charged off XX/XX/XXXX. I voluntarily surrendered the vehicle and dont understand all the charges they are attempting to collect along with the re-aging of debt showing a new/ opened account by XXXX XXXX XXXX , opened XX/XX/XXXX. This was charged off XX/XX/XXXX. not XX/XX/XXXXand they could not give me a detailed bill of charges either after I requested.This has really damaged my credit. These are unlawful charges they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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 filed a legally sufficient identity fraud complaint with Equifax under FCRA Section 605B. Under that Section, Equifax is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Equifax received the complaint. Equifax purposely did not block the information and provided no lawful excuse for their failure. Instead, Equifax sent me a report some 30 days after receiving the complaint, simply stating that the following, " Please be advise that Equifax, at this time, will not block the information subject to the sumitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf. We will forward a copy of the documents you have provided to each crditor for their review.. 

In their response and conduct, Equifax has chosen to ignore the law. 

Equifax report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this to me.

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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America froze my account for " suspicious activity '' I have been calling them for the past two days and have not received any resolution or reason as to the freeze. I get told it was flagged for suspicious activity and the account will be locked with all the funds in it until investigation is complete. They said 48 hours, but after 48 hours i called again and they asked for another 48 hours for a possible update. Nothing for sure. 

This is a business account, its for deposits only. After the deposits I move the funds to cover payroll and expenses. I would understand if there was a bad check that they needed to hold, they froze the entire account with funds that were in there prior to the freeze.

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 2022-01-12
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I has used venmo a few times before without problem. On or about XX/XX/2021, I used venmo to send {$50.00} to another person. And venmo wanted me to provide personal information which I do not feel comfortable with. I immediately asked venmo to either cancel the transaction request or send the money to the other person. However, venmo refused to cancel the transaction and also refused to send the the money to the other person. On XX/XX/2021, despite of my written objection, venmo withdraw {$50.00} from my bank account, and insisted they are going to hold my fund indefinitely or until I provide personal information to them. Today, XX/XX/2021, they are still " in review '' my transaction, and according them, they are not going to finishing review until I provide them my PII. 

According to the FAQ on their own website, https : //help. venmo.com/hc/en-us/articles/360027356113-ldentity-Verification " If we're unable to verify your identity... You'll also still be able to make payments to others using a linked debit card, credit card, or bank account. '' Regardless whether or not they have legitimate reason to request PII, I feel I do have right to refuse and not use their service. They do not have my authorization to withdraw fund from my bank account. When they did take money from my account, they should immediately refund to me after my objection. However, they choose to ignore my request. What they are doing is bullying and robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have violated my rights. 

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

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

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 2017-10-26
Company: Fairway Capital Recovery, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a debt collector on my personal phone while at work. He was attempting to collect a debt as a third party. I told him over the phone that this debt has been in dispute for some time now. He asked me if I wanted to resolve this voluntarily and if i did not that this would go on my credit. I have submitted an email to the company and have submitted in formal writing that I am disputing the debt entirely. Furthermore I was never advised of the debt transfer to a third party from the original party who was involved. I was completely blindside by a collections call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: PA
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 Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation