BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent correspondence to each company regarding inaccurate, unverified, and erroneous items on my report. As of today over 90 days later I have not heard anything from anyone. I feel like Im just a number and not a person. These items are negatively impacting my report. As mentioned to each company may information was impacted by the XXXX data breach and Im just now being made aware. Now more than ever I feel like my information has fallen into the wrong hands.

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 2019-08-08
Company: GREAT LAKES
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I reported the problem on my credit reports and at first they did send my credit report from XXXX but unfortunately now I found someone froze my credit reports after getting it not too long ago and the local authorities stated they do not handle identity theft that is a federal crime great lakes still refuses to comply but the federal trade commission sent me a letter stating yes I can collect damages from any creditor denying credit especially for using my credit report against me!! my complaint is about my report being frozen again and the vicious cycle they send me in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: MS
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:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 58 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 58 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/18 At a XXXX XXXX tour Ref. # XXXX I was verblily given phalse and misleading statements.That led me to sign a paypal account order I.D . XXXX on my XXXX Contract # XXXX Thay sugested I use my XXXX Credit Card to make purchases and pay my paypal acct. to gain additional pt 's & bonuses. when the visa card did not arrive by the 5th day I made a number of call.s to XXXX XXXX ( sales rep. ) He said he would take care of it, not to worry. when the card came I found I could not get what I was led to believe with the points I was purchasing for two timeshare weeks and XXXX $ plus a maintance fee of XXXX $ a year. I've made numerous calls since then and kept in the dark until today XX/XX/18 XXXX said he could not cancel the contract because of the 7 day limit! 
I certainly believe they took advantage of an XXXX year old man and his wife XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Bridgecrest Acceptance Corporation
State: NV
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 ordinance With the fair credit act The following creditors have violated my rights Bridgecrest formally XXXX and XXXX XXXX XXXX XXXX A Under 15USC 1681 section 602 States that I have the right to privacy.15USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
opened XXXX on XX/XX/2016 and this company is STILL reporting inaccurately on my credit report which will constitute me filling a lawsuit if they continue to not follow the response obtained in their response to the CFPB that they account will be CLOSED. 

This needs to be CLOSED/DELETED on ALL credit reports : XXXX/XXXX & XXXX  as this is still affecting my score. This has been going on for two years now as you ( Consumer Portfolio Services removed it from my credit report after my complaint was submitted to the CBPB but it mysteriously reappeared about 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: IL
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: Problem with personal statement of dispute

Complaint:
i paid XXXX off on a XXXX interest credit card in order to use it for a XXXX dollar purchase so id be protected in case of a issue in the delivery or any other issue that came to light, i had to call citi bank and did a 3 way call with my bank to verify the funds were removed from my bank in order to use the card for the purchase i was about to make. the citi person said i could use the card that day and it wouldnt go through, i called them again the next day and they said they cleared it again and it would go through the next day and it didnt, and now its monday the XXXX and it didnt go through again and i called and they said they lowered my credit down to XXXX dollars from XXXX dollars and wont tell me why, I dont have any missed payments from any one and certainly dont have any bad credit at all, i used what was in my business account in order to pay them and then they found a way to get rid of my 0 % interest card, They were liers on the phone and this hurt me finanically because i had to borrow the money some where else with an interest charge now. idont like how they did their business in what they did to my credit, i didnt allow them to review my credit report either,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is set up through bill pay to be paid automatically through my bank. For the months of XXXX and XXXX my bank accidentally send duplicate payments. All payments received in XXXX {$1300.00}, XXXX {$1000.00} and XXXX {$1000.00} total {$3400.00} should have paid my monthly payments in full from XXXX through XX/XX/2020. XXXX applied some of the money received to my principal rather than to payment. I have been in contact via email and phone asking for all payments received by XXXX to be applied towards payment. As of today XXXX XXXX still has not moved all the money over. The two supervisors that I spoke to that sent me an email saying that they have acknowledged all payments received that they see the error and that they were going to move all the money over are no longer with the company. I don't know what else to do but this company has received over {$3000.00} of my money and my mortgage payment is only {$600.00}. I lost my job back in XXXX due to covid and can not afford for this mistake to go on any longer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL 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 2023-02-05
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
There are three attachments that should be reviewed here. 
1. Attached letter for hardship sent to servicer 2. Copy of conversation with servicer that shows something got approved on XXXX  3. Letter to CrossCountry Mortgage about issues with their servicing company XXXX and lack of transparency for loss mitigation, it's a black box.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house on XXXX XX/XX/2020, loan Depot still calling and telling me that I was missing a pain. I called them to find out what was going on they said the loan was short by XXXX. I called people that were handling my loan and they said it was close that they Loan Depot had received the check. I have talk to supervisors and supervisors and have not helped in finding out the problem. I talked with last week all I kept hearing from them was I can not see the screen I have to have somebody else call you. this was supposed to be taken care of Friday and has not been. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
OnXX/XX/XXXX I visited the Ashley Furniture store in XXXX, Florida to buy a couch with my girlfriend. We found it and decided to get it. The price was {$1500.00}. I put down {$500.00} on my MasterCard and was left with a balance of {$1000.00}, which I financed through Ashley Furniture / Synchrony Bank. They approved me at that time for a {$4500.00} credit limit. After we left the store, about 30 minutes later we received 2 calls from Ashley Furniture and they were asking me if I had some of the documents that we filled at the store. I told both the salesman, and the customer service lady that I didnt, all I had was my receipt.In the beginning ofXX/XX/XXXXI made 2 payments to Synchrony Bank and paid the full remaining balance of {$1000.00} in full. On XX/XX/XXXXI got a notification on my phone that there is a new charge on my account, I immediately called the number on the back of the card and informed Synchrony Bank that theres a new charge on my account and its not mine. They closed that account, sent me a new card and said that they will investigate. After they completed their so called investigation, they are insisting that I owe them this new charge of {$1500.00}. I was shocked, I called them many times and told them that I have not made any new purchases other than my couch.I contacted Ashley Furniture and they emailed to me the information they have regarding my account. After looking carefully at the documents, we noticed that they have written the other customer purchase order # ending in XXXX on my document. My purchase order # ended in XXXX.There seems to be another customer that is mixed up with my account from what Im seeing in the documents that they sent me, you can clearly see her name and address. Its pretty clear that they mixed up my account with hers, and now Im responsible for her purchases according to Synchrony Bank. This is insane, I dont know who this lady is, it shows a completely different address than mine, in another city. I have been dealing with this nightmare for months. I also had to open a XXXX / XXXX identity protection account which costs me $ XXXX/month. They are causing me and my family a lot of stress and we need somebody to stand up for us, because we tried everything, but they dont care.I have contacted the Florida Attorney Generals office as well for help.

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 2023-02-05
Company: CBC Companies, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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:
someone is using my personal information this Account does not belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. 

Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ICS Systems said I have a debt from XXXX. This is completely untrue. If I do have a debt it would be from 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 2022-12-12
Company: CAVALRY INVESTMENTS, LLC
State: PA
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 sent several letters to have these collections removed XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$390.00} Cavalry Portfolio {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
South Carolina .Hi, This is regarding fraudulent activity of credit card dispute with Kohl 's. We are charged with XXXX , and we didn't use the credit card. We reported to Kohl 's customer care 5 times and to credit bureau 2 times but still issue was not solved.Upon that we are even charged with interest rates. Please help us regarding this. We are in hopeless situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as XXXX, Equifax, and XXXX   at this time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " XXXX XXXX '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the XXXX XXXX card has weakened and damaged my credit health since XX/XX/2015. 
Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXX '' credit card but was not used by the bureau's..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX  or XXXX. XXXX XXXX XXXX reinserted this account back to my Experian credit file without verifying that I owe anything. Neither XXXX XXXX XXXX nor Experian have provided documents proving I granted XXXX XXXX XXXX permission to post to my credit profile. Experian did not offer any explanation of how XXXX XXXX XXXX was verified. 
XXXX XXXX XXXX continuously violates 15 USC sections 1692 A E and Experian allows it. XXXX XXXX XXXX refuses to provide contracts with my signature proving I agreed to do business with XXXX XXXX XXXX. It is unfair as a consumer that I have to endure unfair credit reporting practices from XXXX XXXX XXXX and Experian. This account was charged off 7 times. 
Experian has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet Experian has not shared information with me on how XXXX XXXX XXXX was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?

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