BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: AR
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:
A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MI
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 am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!

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 2019-12-06
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted request to my mortgage servicer for mortgage assistance several times because my husband died last year. I have provided all the requested documents for several months and I'm still waiting for the finalization of my mortgage assistance application. 
I called the mortgage company to check the status of the mortgage assistance application and was informed my home is in pre-foreclosure. I don't want to lose my home, but I feel Fay Servicing is refusing to finalize my mortgage assistance application and they are going to try to foreclose on my home. Fay servicing is hard to work with and unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank has closed my credit card, XXXX 's card as well as my wife 's credit card. 
They refuse to advise me for the reason they closed them and state they have the right to close any account for any reason or for no reason. 
They also forfeited all thank you points and cash rewards earned which is totally unacceptable. 
My wife and I have never been late in paying our accounts and.we did not experience such a situation with any other bank.

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 2023-03-23
Company: DISCOVER BANK
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
someone stole my wallet and used my ID and credit cards to obtain car rentals, hotels, and made other purchases. I had to get a new drivers license, new credit cards, and a new phone. I sent a copy of my police report and my new license to Discover. The charges are still on my account. I need them removed so I can pay off my credit card appropriately. The Fair Credit Billing Act protects consumers against inaccurate or fraudulent credit card charges and other billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA. 

Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 
3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 
4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ).

They are in violation of the FCPDA.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}

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 non-monetary relief
Consumer complaint received 2022-01-12
Company: FISERV INC.
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:
False claim for debt was submitted to XXXX XXXX XXXX XXXX XXXX Maryland XXXX Inc. located at XXXX XXXX XXXX XXXX XXXX, COXXXX. The Agency ID # XXXX. Claim was made that the debt is long overdue. The agency calls constantly and harrasses us for a debt we do not owe. The alleged amount is {$290.00}. We have disputed this claim repeatedly.

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 2017-10-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-12
Company: EQUIFAX, INC.
State: OK
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX, Account # XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX Utility, Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # 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 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 2023-03-23
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Victoria Secrets ( Commenity Bank ) about making a payment. I made the payment. The payment was not successful. The company did not contact me about the payment. This was reported as a late payment to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: BARCLAYS BANK DELAWARE
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-08-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Information belongs to someone else

Complaint:
Around a month ago, I came to realize that ChexSystems has been sharing incorrect information with banks, which has unfortunately led to me being denied some business opportunities. To set the record straight, my name is " XXXX XXXX. '' However, in my ChexSystems report, specifically under XXXXXXXX XXXX, it's strangely spelled as " XXXX XXXX. '' I want to XXXX that this misspelled name isn't mine, and I'm certainly not the only XXXX XXXX out there. 

What's more, they've also listed an address and phone number that I have absolutely no familiarity with, although they seem to be linked to my local community. I can assure you that I've never had any connection to these details. Discovering this bewildering information on my report has left me concerned, and it's having a negative impact on potential business opportunities. 

I'm kindly asking for their immediate removal of this inaccurate information from my ChexSystems report. It's crucial to rectify this false data, as it's led to misunderstandings and unjust denials. I've already taken steps by getting in touch with the bank and filing a complaint to have this misinformation removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I recently reviewed my credit reports with XXXX, XXXX and XXXX. I noticed a paid credit collection on my reports. As I was unaware of this dept I disputed it with the 3 bureaus and asked them to validate dept and send me documentation. I received responses from XXXX & XXXX both validating debt per creditor. I called to see what kind of documentation they received to validate this debt, I asked specific questions about the debt, and they said that it was just validated and if I wanted information I would have to call the creditor directly. I requested information from XXXX so that I could validate the dept. They sent me the original contract, which has a date missing by a Signiture, I asked for receipt of payment to see who made the payment and to verify amounts. I asked for any picture or photo ID linking me to the debt, I asked for delinquency dates, and I asked for XXXX licensing number. Please review my emails. The response I received was that they are not sending me verification or validation because the account was closed, even though they are still reporting it to all 3 bureaus. I am taking this very seriously and want to file a formal complaint agains XXXX and I Want this collection removed from my reports immediately. I should be able to verify anything that is being reported about 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 2021-10-07
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XX/XX/2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Guild Mortgage Company LLC
State: HI
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on GUILD MTGE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern,I read about the lawsuit against Navient filed by CFPD and came across your contact information (Case XXXX). I understand myself to be one of the victims; illegally cheated out of repayment rights for a long time.I spent many hours on the phone with Navient customer service many years ago requesting to apply any over payments to my unsubsidized loan. They told me repeatedly that I was not allowed to do that, and any over-payment would be split between the two loans. I was upset but I went along with it, assuming what they were doing was legal.Last year, I started taking classes again, and as a result my mandatory payments stopped and loans went into deferment. I logged on to make manual payments to my loans, and to my surprise they now had the option to pick which loan to make the over-payment to. So of course I picked the unsubsidized loan, and have paid about $1000 to the unsubsidized loan since. I have made all over payments to the unsubsidized loan since I started going back to school.I logged on today and noticed that even though I picked unsubsidized as my voluntary over-payment, they split my over-payment between the subsidized and unsubsidized loans!Please help me get justice on this.Sincerely,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Capital one 360 Investigation numbers XXXX AND XXXX I'm very upset that my claims were denied. I was trying to get XXXX on my tv and called what I thought was XXXX. The guy who called me XXXX XXXX had me do all this stuff on my phone and sure enough he got XXXX on my tv. The charge was XXXX. He was polite and respectful. Than he had me go to XXXX and type in XXXX. I questioned this but he said they had to verify my account. At this point I trusted him cause he got my tv working. Than he had me go to XXXX and put in another XXXX. I was getting very suspicious at this point and he said XXXX XXXXXXXX we have to put the money back in your account. Once that was done he hung up on me. I tried calling back several times no answer. This man was a scammer who took advantage of a XXXX XXXX XXXX woman on SS. I am very very upset. Im not on top of technology and never never agreed to this. There are XXXX XXXX charges to a guy XXXX. If I dont get money back for this I will never use capital one again and I will go a step further. I trusted capital one. I have credit cards with you than decided to open a checking account. This is outrageous and he was so smooth. I hope we can resolve this. I.cant even pay my mortgage. 
I look forward to your response. Ty Sent from XXXX XXXX on XXXX

Company response to consumer: Closed with explanation