BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NY
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. XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # 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
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
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:
I had a mileage plus credit card and I lost my job so I was unable to pay the outstanding balance so I contacted chase to see what my options were. the account ended up going to collections before I was able to find another job. I got several settlement letters and once I found another job I was able to settle the account. I contacted XXXX who was the CSR assigned to my account and made arrangements to pay the settlement in XX/XX/2018 in which during our calls I asked here each time if once the settlement is paid that the account would be deleted from my credit file and each time she stated it would be. My credit repair company owner XXXX XXXX also contacted her before and after payment was made to inquire that the account would be deleted and she informed her that it would be. I have disputed this account several times and it still remains on my credit file. the account has been settled and there is no reason for it to remain on my account and I want it deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Guaranteed Rate lender delayed my application. I had to constantly probe into its status. When they finally did contact me they denied the loan based on information I had given them from the start. This delayed my application, resulting in an opportunity cost of not continuing with other lenders, and has also caused the one month credit check report to lapse which means when I apply with another company a hard credit check has tbe rerun. 

I had informed them I had a duplex. I told them how much rent I was getting from the rental unit ; that I and my son lived in the main unit but also that there is rent from the main unit as it is near the campus and being a large home its extra rooms are rented. They did not take this information into account to figure out my countable income. After a long delay they finally said the rental income from my own owner occupied unit is not counted hence not meeting income to debt ratio. 

Their non-responsive, un-informing, uninformed approach has cost me delays, hence costs and a lowered credit score due to thirty day  lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OLIPHANT FINANCIAL, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection agency is trying to collect money from me on a credit card that I've never had or used. The opened date my XXXX XXXX  say is XXXX XXXX. The name of the company trying to collect is XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have disputed it and called the collector to let them know it's fraud. So far nothing is happening. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a credit card, and the company told me I had to lift the security freezes on my credit information at all three bureaus. I had no problem doing this online on XX/XX/XXXX for XXXX and XXXX, but the online system of Equifax said I had to call and do this in person. So I called Equifax on XX/XX/XXXX. Their robo-system is slow and terrible, but I went through all the steps, to the point where they use information, supposedly from my credit report, to verify my identity. The system asked for information on the home mortgage I took out around XX/XX/XXXX, asking me to identify which of four companies provided that mortgage. I had never dealt with any of those companies, and did not take out a mortgage in XXXX ( I did refinance a mortgage in XXXX, but not with any of those companies ). The system then asked me for the monthly payment on that mortgage which I did not have and when I answered none of the above, it said it could not unfreeze my report and that I would have to send in a letter. I tried multiple times to get through to a live person, but there was no way to do this. I lost nearly an hour navigating the menus and responding to questions, all to no avail. I think it is not right that a company like Equifax should be able to gather and sell my information without my authorization. It is even worse when they make it impossible to efficiently freeze and unfreeze use of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: NY
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 Wells Fargo Account ending # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XX/XX/2022 I applied for a CareCredit card through Sychrony Bank. I received one. In early XXXX I started looking into what it would take to get a mortgage and found out that Synchrony Bank ran 3 hard credit inquiries on XX/XX/2022. This was noticed after a XXXX XXXX ran my creidt. 

I have asked Sychrony Bank to correct this but keep getting letters stating that I applied for the card and that's why it was pulled. This is true it should have one ( 1 ) hard inquiry from them, not 3. I have had them admit on the phone that it was done in " error '' but nothing is being done and they have again sent me a request asking for a copy of the credit report that shows the error ( when they have already seen it and admitted it ). 

I sent them a copy of a portion of my XXXX report which shows the 3 hard inquiries from Synchrony Bank on XX/XX/XXXX and then the XXXX XXXX hard inquiry which was negatively affected by the 2 additonal hard inquiries that were done b

y Sychrony Bank. I again received another piece of correspondance asking for more inform
ation but I sent them all of the information via certified mail which I have confirmation of their receipt.

This has cost me literal hours on the phone with them ( I have proof of this ) and potentially mortage rate issues.

I never consented for my credit report to be pulled 3 times, I consented to one time and they have given me different stories as to why this was done and what they intend to do about it.

I would like to file a complaint and pursue penaly damages.

Thank you for your assistance with this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2019-08-03
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRST INVESTORS SERVICING CORPORATION is reporting fraudulent debt on the credit report of 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 2019-07-04
Company: Remitly, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Tried sending money ... .through Remitly ... XXXX Wa ... was told cancelled because I violated terms ... .but wouldnt tell me how?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Freedom Mortgage Company
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2020-10-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by 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 explanation
Consumer complaint received 2020-10-22
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: Information belongs to someone else

Complaint:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with XXXX dating back to XX/XX/2017 XXXX. XXXX XXXX. XXXX XXXX and a medical company which was not opened by me or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Valentine and Kebartas, Inc.
State: OH
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/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Convergent Resources, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The credit bureaus are reporting credit that is not mine.

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 2022-03-02
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. 

Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX {$950.00}

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 2023-12-07
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get the free credit report but the bureau says the information provided is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my XXXX XXXX are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent 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 explanation
Consumer complaint received 2023-03-06
Company: Phoenix Financial Services LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection letter on XX/XX/XXXX from Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN saying I owe XXXX XXXX XXXX, XXXX as balance of {$3300.00} ( original XXXX XXXX XXXXXXXX XXXX  ) for services rendered on XX/XX/XXXX. I responded with a certified letter requesting address, telephone number, billing statements from the original creditor of which the company sent me a letter with a list of medical codes and amounts, procedures/charges. This is not a billing statement from XXXX XXXX XXXX and serves as no merit to this debt collection company saying I owe this debt. I need concrete evidence from XXXX XXXX XXXX billing department that I owe this debt of which I never received a bill. This is a third party debt collection company on behalf of XXXX XXXX XXXX who bought these alleged debts. I am and have been most of my life a medically insured individual and my insurance company insures me that urgent medical transport is covered. 

Furthermore, Phoenix Financial Services is not a licensed debt collection company in the State of XXXX. I currently live in the state of XXXX, happily retired and not about to let this company ruin my exemplary credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
inquiries.. hard and soft are popping up on my credit report that I have no knowledge of. EX : XXXX, XXXX, XXXX, XXXX and much more .... can these items be removed please..

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 2023-03-05
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled XXXX XXXX as I did not get stable internet. I cancelled service within 30 days of signing up and returned equipment. 

I kept getting bills and now I got a collection notice dated XX/XX/23 from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account no : XXXX Amount {$210.00} I do not owe anything to XXXX XXXX and this is a bogus bill and collection notice.

Company response to consumer: Closed with explanation