BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-12-31
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.

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 2023-06-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX 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
Consumer complaint received 2019-03-22
Company: TRANSWORLD SYSTEMS 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:
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and Transworld. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: LA
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: Public record information inaccurate

Complaint:
I sent a certified letter to Equifax on XX/XX/2021 notifying them about the violation they made with my account in accordance to the XXXX law XXXX XXXX XXXX XXXX Permissible purposes of consumer reports code which says that any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. 

For their convenience I also attached a copy of the law to the letter. They then forwarded a letter to me stating that regardless of what the XXXX law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not a credit repair company. I am the actual real life consumer making this complaint. I am a well informed consumer that can read and comprehend law. This item XXXX BK CT EAST DIST MIC XXXX needs to be deleted immediately or I will pursue legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
This is a complaint against CREDCO, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) CREDCO, DATE : XXXX2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.

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 2021-02-25
Company: DISCOVER BANK
State: OR
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 filed dispute with discover thru XXXX - its been finalized & XXXX has removed it from their report. But Discover has sent me this other person 's statements to my home address in XXXX, for XXXX XXXX XXXX XXXX who live in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been working to resolve this issue for more than a year. I received an alert that a collection was added to my credit file by Receiveables Management. The account in question was previously paid by the insurance company and reversed one full year later. The original creditor never notified me that the payment was reversed. Receivables Management improperly collected and reported to the credit bureau without providing adequate time for me to review and dispute the debt under FCRA. I have always had health insurance and there is no reason for a medical visit to go to collection. It is unfair that I am being penalized by the negligence of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have an account with PayPal in which i was having my Georgia unemployment benefits deposited into. I have zero fraudulent activity and zero chargeback history on the account, the account is only used to receive my funds each week and then i would transfer them to a Prepaid Paypal mastercard account to access them. 
Well, on or about the month of XXXX of the year 2020, Paypal placed a limitation on my account and requested that i verify my identity by providing a bank statement from the prepaid card i was sending my money into. I did just that and paypal proceeded to lock my account and tell me that they would be holding my funds for 180 days. 
From what i understand, this is done to prevent chargeback losses to the company, however, as i have said i do not have any fraudulent activity or bad transactions on my account. I feel like i have been taken advantage of and i demand access to my money. 

My name is XXXX XXXX and any help with this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the AAA Daily Advantage Visa Signature card from Comenity/Bread Financial bank. After submitting the application, I received a message saying I would receive a letter from Comenity/Bread Financial within 10-14 days. I then received such letter, called in and provided all the information over the phone to the agent on the line. She confirmed I went through their verification process but 'the bank is still processing my application ' and asked that I waited another 10-14 days for another letter. 

This is ridiculous, but nothing I can do so I waited. I received another letter yesterday on XX/XX/07 saying my application was denied due to Comenity/Bread Financial being unable to verify my identity ( Ref number XXXX ). They already pulled my XXXX credit report, they have all my information, including SSN/home address/DOB, have me wait for 3 weeks and told me that. Unacceptable and unbelievable. Very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of buying a house and i realized i had some damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation of my character.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-10-09
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called every single day from this debt collector. XXXX XXXX XXXX calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from 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 2021-05-20
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent my XXXX and XXXX payment via XXXX XXXX, see attached and it arrived at PHH at XXXX am XX/XX/XXXX signed by XXXX, it is XX/XX/XXXX and it has still not posted to my account. I have called there times and I am told not to worry. I have emailed a relationship manager named XXXX XXXX, there times and received not One Response. I included an email titled XXXX. I got a template response stating they will get back to me. When I called on XX/XX/XXXX and spoke with an agent, I asked to speak with a relation manager and he said I had to set up an appointment through him, I laughed, the next appointment available was XX/XX/XXXX. I stated that my question regarding my payment would be resolved by then or at better be resolved. PHH is such an awful, disgraceful and dishonest company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: SC
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 hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Credit Karma, LLC
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opening a savings account with credit karma last year when I filed my taxes. Unfortunately my last stimulus payment went to that account, the 2 before that did not. Ive been trying for almost 2 weeks to link my bank account. There is no phone number to call, and every time I reach out on support I get someone different and they give me the general steps to link an account ( which is not working ). Once I finally get across that I need something else to be fixed on their end I never hear back they will pass it along to someone more experienced with the problem and I never hear back, just to start the process all over again a few days later. I tried going to my bank and having them pull it from this end, only to succeed for it to be reversed a few days later. This is entirely too much money to leave floating out there, especially when its needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX company had disputed a past bill with me back in XX/XX/XXXX. The problem was the company was trying to over charge me after I had canceled services with them. During the time of the dispute the company stated in XX/XX/XXXX that the account was settled and I was no longer in debt with them. Now four years later from having the services XXXX submitted to another company called MRS a report to collect a debt from me on a matter that there company had already disputed. MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. Provided an account number XXXX XXXX for the amount of {$350.00}. As I have stated to the company it seems to be a scam going into affect because I had already disputed the account years ago and it was no longer a matter with me pertaining to a balance owed but ; after years passing it has come back up on the radar. This matter should have never went outside of XXXX my last conversation with the company was about the bill and it was handled in a timely matter to the point it was no longer an issue. It was removed off my credit report and now years later it appears back as if this was never handled by the consumer themself XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove 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 2018-02-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25
Company: Colony Brands, 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 status incorrect

Complaint:
I order a product from XXXX XXXX  {$39.00}. When the product arrived it looked cheap so I returned the item. A month later I get a bill for the item. I called the company and ask if they received the item and they said yes. I said then what am I getting billed for and she said restocking charge.This has been on my credit report for two years and needs to come off because I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The amount of interest is 25 %. I had no problem with that until I kept getting hit even after making my minimum and/or extra payments interest charges on purchases even though I stop purchases on this card. Last month on top of my payments they charged me {$31.00} per month. This month XXXX I made a {$100.00} payment to try and help myself out with the balance that just drops minimally. I feel as if every month that I am being cheated for at least {$30.00}. So far they have made over {$300.00} in interest fees and other anonymous fees that I don't even know about. I am trying to pay this card off and they are cheating me month after month and I need some kind of relief. The credit limit on this card is {$1500.00}. I had no idea that every month that I pay my monthly payment that no matter what they are after me for that {$31.00} with no mercy in sight. Please help me find some justice help, and relief over these predatory lending interest charges plus fees that are being inflicted upon me without mercy. Thank you.

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