BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-21
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used a XXXX 's credit card, later on could not afford the payments due to financial distress around the month of XX/XX/XXXX. Maintained contact with the company informing them of the situation and was reassured it could be handled with no credit repercussions. Later the account was sent into collections at which time i contacted the company and arranged a payment plan to pay the account in full with two payments of approximately {$150.00} dollars and was told the account would have a remaining balance of {$0.00} dollars. Looking at my credit report the company has me with a remaining balance of {$6.00} dollars with numerous late reports. This information is inaccurate and is effecting my credit score in a major way not allowing for my family and I to be approved for a home loan. Contacting the company I am continuously told there is no balance and nothing they can do for me as far as my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. 

Original creditorXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: AMERICAN EXPRESS COMPANY
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:
On ( XX/XX/2021 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complain against lender, Sun West Mortgage Company , Inc. with business office at  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX failed to pay the second installment of my realty property tax which was due XX/XX/2018. My mortgage payment included payment for impound to pay for homeowner insurance and property tax. I came to know this event from the XXXX XXXX in XXXX, CA that sent property statement telling me that the second installment of property tax was delinquent subject to 10 % penalty. The property address if XXXX XXXX XXXX, XXXX, CA XXXX and the loan number is XXXX. I called the company and spoke to XXXX with no further action on company 's part to pay the property tax. I am very concerned that Sun West Mortgage Company is misusing the impound funds for their benefit. There was no reason for the Sun West Mortgage to fail to pay the property tax because they are in possession of the impound money that I pay monthly to them along with my mortgage payment. The lender acted negligently in failing to inform me of their decision not to pay the second installment of the property for XXXX. Since XX/XX/XXXX to this date, lender Sun West failed to pay this property tax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. 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 2021-12-14
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been attempting to come out of forebearance and to get our loan modification closed for more than 9 months. We have been ready for this long if not longer to start making payments but have repeated told not to until the modification process has been completed. It's been approved 3x and after filing my first complaint we got a response from them and the same day they responded to the complaint the modification documents were sent out. Now that they FINALLY sent out loan modification documents to us we returned those to them immediately. They were confirmed delivered to Freedom Mortgage on XX/XX/XXXX and signed for. Since they received the documents back I have received SEVEN separate phone calls asking if we have received and return these documents. The most recent call was on XXXX XX/XX/XXXX and I again explained all of this to them. This rep put me on told for XXXX minutes while she " researched '' our account. She came back to the line and said confirmed that they documents were received as I stated on XX/XX/XXXX and that she located the individual that signed for the documents. She guaranteed me that they will be imaged into our account, reviewed and recorded with the county Register of Deeds. However... still no updates and the documents have not been recorded. We are exhausted by this process and beyond frustrated.

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 2019-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX Bank I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is  registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at 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 2021-12-14
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX On XXXX, 2021 I received a cashapp card in the mail with my name. I do not have or use cashapp. I have been a recent identity theft victim with unemployment dept and someone tried to open a bank account at XXXX XXXX with my info. I was able to report those incidents but I can not get help with this cashapp card. I called cashapp repeatedly and tried the website and can not reach anyone to report that someone stole my info and used it with their company. It should be a law for cashapp to have a customer support department that answers the phone to assist with important incidents like this. I am reporting this to cfpb because I am unable to reach cashapp to report it. In the meantime, this fraudster is getting away with stealing money under my information and I can do nothing to stop it or close whatever account they opened with my information since I can not reach the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: MD
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 sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. 

*XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE ARE NOT MINE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: PNC Bank N.A.
State: OH
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:
On XX/XX/22, I checked my PNC checking account balance and noticed that a {$5000.00} check written to XXXX XXXX was cashed for {$15000.00} by an unknown individual. This and other checks were stolen from a mailbox outside the post office. After multiple visits to two different PNC Bank branches, multiple phone calls, a report to the police, and a report to a government agency, I am yet to receive a refund to my account. I was told that PNC would have to refund me within 90 days per policy. I was also told that I could not close the compromised checking account which resulted in fees being charged for having a low balance. I was refunded {$50.00} of the {$75.00} fees charged after multiple complaints, but still no refund of my stolen {$15000.00}. I am owed {$15000.00} by PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX Please See Attached FTC Report

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
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:
According to 15 USC 1681c-2 Equifax is supposed to block fraudulent information that i provide with my written statement and proof of identity theft report and valid identifying documents. These accounts are fraud and I have provided my identity theft report as well. This request is not an error, I have not received any goods or services or money for these accounts. Please Block and delete accounts. XXXX XXXX Account XXXX, XXXX  Account XXXX These Inquiries are Fraudulent also, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CRED XX/XX/XXXX Credit Card Opened by the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.

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