BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a BREAD CASHBACK AMERICAN EXPRESS CARD. Recently, my identity has been reported stolen, which caused me a lot of trouble. But what I really don't understand is that my identity was stolen, but the result in fact is that my own credit card was forcibly closed, and a bank account was also closed recently. My identity was stolen, and now this company is also closing the credit card I applied for myself without my permission. I really don't understand why my identity was stolen, but in fact was my own account has been and was closed. I am very angry and feel that it is unfair that all these banks have not respect me or contacting me in the matter of fact Say close and close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From the moment Specialized Loan Servicing assumed my loan, the companies only intention was to foreclose on a distressed property of a single, XXXX woman. 

Although, the company professes to support XXXX homeownership online, it is purely virtue signaling, as this company has had no other intention than to foreclose on my property, which is a short 7 minute drive to XXXX XXXX family home. 

Lik

e vultures in for a kill, they have done all they can to consume my time and energy while running up delinquent payments and forcing me into a unfavorable home loan modification. The enclosed index of statements documents from SLS website demonstrates that although I had applied for a mortgage modification prior to SLS assum
ing my loan from XXXX  XXXX XXXX and XXXX in XXXX, XXXX ; it was literally several months if not more than a year before Specialized Loan Service acted on my RMA. 

I have enclosed an RMA from XX/XX/XXXX. A full two years after I filed my original RMA. 

Additionally, you can see from the index that my account was in a constant state of reassignment of customer representatives. This created a constant renewal of the story with each agent, as if I had never contacted the company. Agents do not seem to keep track or document customer events, as well, there is a different agent each time one needs to speak to the company. 

Customer service agents also do very little to explain, clarify or assist homeowners in home affordability.

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 2021-06-08
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: Was not notified of investigation status or results

Complaint:
Ive reached out to equifax twice once on XX/XX/2021 and Also again in XXXX regarding an account with child support reporting. Account is past XXXX AND HAS BEEN PAID IN FULL AND EQUIFAX HAS CONTINUE TO REPORT ACCOUNT IM REQUESTING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE FRAUDULENT CREDIT INQUIRIES ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hey please remove all accounts I just pull up my report and I notice this all account 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been trying to get a hold of Bank of America for 3 weeks to resolve fraudulent charges on my card. This card was never activated and the charges are identical in nature after three rounds of canceling and reissuing a card card. 
Charges are coming from XXXX. 

There must have been a massive data breach that was not shared with customers. 

I know of other people affected in the same way by Bank of America.

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 2022-11-28
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:
Problem is with Equifax only... all other removed data that has been on credit report for more than 10 years. 

Filed XXXX disputes and phone call to Equifax ... keeps coming back that information is reported correctly and to contact source XXXX XXXX... which I did and they said it is up to Equifax to removed this account that is over 13 years old and should have been removed after 10 years. I filed another dispute with Equifax and still same XXXX response ... like its automated. Even mentioned on last dispute and phone call that I was going to file a complaint. 

Need my XXXX XXXX XXXX  accounts removed off my credit with them ... over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was robed and atm and my pin number was demanded which the suspect withdrew funds from my account as instructed by td bank, i filed a dispute and td bank denied my claim stating that i gave out my pin number, however it was a life threatning cituation and the transaction were unauthorized, td bank failed to propaly investiagte my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: AZ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-24
Company: AmerAssist A/R 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:
Amerassist AR Solution is reportig fraud information on my credit. I dont know what this account is and I believe this account is fraudulent. 
Please note the attached FTC report and remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was furloughed due to COVID19, I filed for unemployment. 
I called Shellpoint Mortgage but the wait time is over 30 mins and no answer. I went online to submit the requests for assistance. I received letter requesting documentation on XX/XX/XXXX. I tried to call on several occasions, however wait times are crazy and online is not detailed nor provides updates. I finally spoke to someone XX/XX/XXXX they asked me to send in documents, so I did. I was advised today XX/XX/XXXX that the forbearance ( credit and late fees protection ) does not include XXXX or XX/XX/XXXX, only XXXX, XXXX, and XXXX. My hardship started in XXXX, however my first payment missed was in XX/XX/XXXX, and the forbearance does not cover XXXX at all, which is ridiculous and does not make sense. I started working as of XX/XX/XXXX and have started making payments. I reached out to get updates and XXXX in Loss Mit said she will review for deferment for XXXX and XXXX payments but the forbearance is only for XXXX, XXXX, and XXXX. The forbearance period should cover the time in which the hardship began and the hardship letter and all documents provided indicate my hardship started when I lost my job, and thus missed the XX/XX/XXXX payment. This needs to be rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Was not notified of investigation status or results

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-26
Company: SAMC Honebee TRS, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have formally requested for PMI to be removed from my account and have been unsuccessful in obtaining help with GMFS. in XX/XX/2020 I paid for an appraisal on my property and it was assessed for close to XXXX. The balance on my loan is XXXX. I requested the removal of PMI on XX/XX/2020 and was told that I would need to pay an additional appraisal that would have to be done through their bank. I asked about the cost and the bank notified me that they would get back to me. In XX/XX/2020 I began the process of refinancing my home and because of COVID, I was unable to complete the process. 

I req-requested the removal of PMI in XX/XX/2020 and was told that I needed to submit a form for the request to be in writing. The bank keeps declining the removal of the PMI because they are indicating that I was late on one of my mortgage payments. I have spoken to the customer service department at GMFS and they can not locate the date of the late payment and are also confused. The department that reviews the PMI removal requests can not speak to me directly, and I can not get anywhere with them. In the interim, I have now paid PMI for over a year and would like for the PMI insurance to be removed and for me to be reimbursed for the last 16 months.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
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: Reporting company used your report improperly

Complaint:
XXXX 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 Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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 2020-06-10
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: RI
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-12-08
Company: EQUIFAX, INC.
State: VA
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:
XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year XXXX XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that 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 2023-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly. This is the SECOND ATTEMPT to get Portfolio Recovery Associates to follow procedures. ***Reminder : sending copies of a statement with a name on it does NOT constitute ownership. *** CFPB recently fined this company AGAIN for illicit collection practices, so it is evident my complaint is well-founded and based on established facts.

Company response to consumer: Closed with explanation