BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Comenity Bank/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Information belongs to someone else

Complaint:
unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I receive a notification in my discover app that my account was blocked due to suspicious activity and provide me with a number I call the number, after verification steps I recognize the charges which were a XXXX dollar charge to my internet provider and another XXXX dollar charge. ( Which Im not sure if its even enough basis to block an account since I had paid my internet before ) They ask me to hold on the line and that Ill receive a code that Ill give back to them. Cant say for sure if they hung up on me or call dropped but I had very stable coverage. 

I call back and now they are asking me to upload some documents to the website to prove my identity. Instructions were to enter discover.com and find the secure document upload option. They mention that it may take up to 48 hours to process. 

( Of note, this is very inconvenient and dangerous since this leaves me without access to any money in case of emergencies ) One hour later as soon as I have access to my laptop I notice that there is no secure document upload option on sight in the websites front page. I call back again and they verbally guide me through the document upload using discover.com/sdu I call every day since then to check if my documents have been reviewed with no luck. When I ask if theres anything I can do to expedite the process given my situation they mention it must be 48 hours after document upload before they can pull the departments leg. 

XX/XX/2022 I call back after 48 hours have officially passed. Documents have not been reviewed. Agent tells me there is no such thing as pulling that departments leg. I describe to her my document upload process and she lets me know that the correct link was actually discover.com/upload which brings you to a similar looking part of their website and tells me I should upload documents there and wait an additional 48 hours. 

I am not sure what is going on but in all this process Im kept without access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have unauthorized inquires on my credit report : XXXX  ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/2020 ). I NEVER authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2018-04-16
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also XXXX the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX  Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account opened with XXXX XXXX in XX/XX/2018. Trans Union and XXXX DO NOT show ANY account history of this account.

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 2018-10-15
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: Account information incorrect

Complaint:
XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: AL
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, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : Experian.com Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( 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 antidotes the report by more than XXXX 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 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 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries on credit report. 
1. XXXX XXXX XX/XX/22 2. XXXX XX/XX/22 3. XXXX XXXX XX/XX/22 4. XXXX XXXX XX/XX/22 Reported these fraudulent inquiries to Federal Trade Comission Report # XXXX Report # XXXX Report # XXXX Report # 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 2019-07-19
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a motor vehicle ticket that is being collected by Professional Account Management LLC ( Telephone XXXX ) I was advised over the phone of their dispute process and was told that the resolution period for disputes is 60-90 days. When asked if the dispute process could be seen in writing, I was advised that I would have to send a letter asking for written verification of the process. However, that process would also take 60-90 days. 

The company has no written statement available to consumers to understand the dispute process and what type of supporting documents are required for generating a dispute. This leaves consumers at a disadvantage when trying to initiate such disputes and find a resolution within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with Wells Fargo and a couple of Months ago I made the final payment to repay all that was borrowed in full. Then the following month they send me another statement for approx {$20.00} in charges, and now today another statement came for XXXX??? I am tired of playing games with Wells Fargo and calling them and trying to rectify this is impossible because they just put you on hold and never come back or transfer you to a line that hangs up

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 2019-07-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX I tried to dispute a debt that I had no knowledge of I recently lost my wallet and possibly someone tried to open something I didn't not do it and the company repersitive was rude and very loud said my credit was gon na be effected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX of XXXX, i was told i was supposed to put a down payment for a XXXX car plus trade in my paid off car ( XXXX ) for an XXXX XXXX  ( previously recked ) because my credit score was low i wasnt sure i could go anywhere else and becuase i was a womanXXXX XXXX XXXX Fradulently told me information that would benefit them more. not only was i sold a XXXX car for XXXX but was charged XXXX in interest. i wasnt aware back then but im well aware now. fraud has no statue limits. i would like a full Refund asap.

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 2021-04-09
Company: EQUIFAX, INC.
State: MA
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 Equifax credit report was shared with third parties in XXXX XXXX without my consent and permission. All financial data ( social security numbers, account data, personal history ) was exported abroad to call centers in XXXX XXXX. The customer service representatives refused to help or update my credit repot. The credit score is the lowest of all credit reports and vary across different services ( XXXX, XXXX ). Compared to XXXX  ( XXXX ) and XXXX  ( XXXX ) the Equifax credit score is the lowest. They dont update monthly payments, which ultimately hurt my FICO score. Im concern about identity theft with Equifax. Last year, a customer service scammer claimed to work for Equifax. He begged me to buy a family membership to include third parties. I told him I didnt have dependents or family associated with my financial accounts. Months later, I was called from scammers telling me that my social security was at risk and had to confiscate it and I had to pay money. I had to file a police report. Not only is Equifax plagued by identity theft issues. My credit score falls behind 80 points because they dont update my credit history on a monthly basis. I told Equifax to stop exporting my data abroad to XXXX XXXX call centers, and provide customer service from the U.S. As a consumer, I deserve to have federal law monitor any security risks that Equifax could pose to my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 we were shopping around to refinance our home’s interest rate.  Every financial institution was in the 3% range.  We came across XXXX XXXX and noticed XXXX  so we thought we would give them a try. The representative started asking the typical financial questions.  However, he was confusing us on asking for our SS# several times, even after he had ran our credit report and even stated our scores. The representative told us we are clear and have great credit scores.  He then asked for a XXXX deposit and said we would receive it back at the close of the transaction.  We gave him our credit card information and he processed the XXXX.  We trusted XXXX, considering they were connected to XXXX XXXXOn XX/XX/2019(the next day) his manager asked us again for our SS# stating “we gave them the wrong SS#.” So we started getting nervous but reluctantly gave the SS# again. The same day but later after the manager contacted us.  The representative emailed and stated “I haven’t heard from you in a couple of days.”  I told the representative that we just spoke with his manager and we spoke with him yesterday.  I also told him, I don’t have the time to respond to so many emails.  I told him to just send me an email stating what he needs.  He sent me an email with a screen shot of my credit report, asking me to write a letter of explanation of inquiries.  Problem is, besides our cell phones, the inquiries were all XXXX, which seemed confusing.At this point, we really started getting nervous, so we searched the internet and discovered XXXX   has a pattern of collecting XXXX base on some frivolous interest rate (2.375%).  XXXX  So I asked the rep for our money back.  The manager sent an email with an attachment stating “you signed this.”  The attachment was XXXX policy stating “NO REFUNDS.” The document had no signatures. We explained, we never saw this document.  Also, the rep did not make us aware of the “NO REFUND” policy when he asked for the XXXX.  I asked the manager to send me a copy of this document with our signatures, he stated “it was signed electronically.”  He never sent the electronic signed version.  I expressed to the manager that the interest rate could not be found at any finical institution we contacted.  He stated “what are you upset we are the lowest.” I said, I just want a refund. He stated no refunds.  I have all of the email exchanges, which will need to be redacted.

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 2023-07-02
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/23 I submitted a letter to receive validation of a debt for Equifax for an account on my report under XXXX XXXX XXXX. Not only have I not received a response back from them, they also never updated the account to " In Dispute ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: VA
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 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 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX / XX/XX/XXXX I received a notification regarding that my credit score was used for this company. I didnt apply or sign up for anything. Im taking that my  personal information was used without my authorization. It has a high impact on my credit & I need help disputing it please. 

XXXX XXXX XXXX/ XX/XX/XXXX I see several reports with this collector on my credit. Ive tried disputing this several times & they denied & refused to remove. I didnt give any authorization of my signature neither did I sign any contracts.

Company response to consumer: Closed with explanation