BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This year, when I filed my taxes for the XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, XXXX XXXX  was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XXXX  for a Victoria 's Secret credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents. 

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline. 

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly. 

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights. 

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN - XXXX - $ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$680.00}, XXXX XXXX BANK SS XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 2023-09-22
Company: EQUIFAX, INC.
State: MI
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:
As a XXXX XXXX XXXX XXXX and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: ACIMA CREDIT, LLC
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: Information is missing that should be on the report

Complaint:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma showed me all these credit cards I was pre-approved for and once I applied I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery Associates refuses to admit that the harm that they did when trying to collect a debt that was between 10-18 years old. As a debt collection agency they knowingly went to court, filed paperwork, got a default judgement, issued and was granted a wage garnishment order. Contacted my employer and was garnishing my wages.no matter what the total was This was on my employment file with the company. This garnishment was the reason I was denied promotions and salary increases because I was deemed a high-credit risk. Now according to Illinois appeals court ruling on XXXX XXXX that the statue of limitations on a credit card debt without a written contract is 5 years. And with a contract its 7 - 10 years they purchased the account in XXXX and started collecting the garnishment in XXXX. That's 17 years later. Re-aging a debt is also against the Fair Debt Collection Practice and Portfolio is well aware of the time line from start to finish even when they hired the law firm of XXXX, XXXX, XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Grain Technology, Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hey there, I have a Care Credit card from Synchrony bank and I recently started using it for my pet 's vet bills. I was going to pay off the full balance recently, however, I looked over the activity to verify everything was there. I noticed there was a " Card Security '' fee that was charged 6 times that ranged from XXXX dollars. The total from this charge was around XXXX. I do not remember signing up for card security as this card was set up in XXXX of 2014. As a general rule, I never opt in for the " Card Security '' that credit cards offer. I tried calling to cancel however, the phone number on the charge would not answer. I then tried calling the Synchrony credit customer service and they could not verify my address from 2014 when I listed all my addresses and phone number. They said they would escalate the issue and have someone call me back in a couple days but no one has reached out.

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 2022-09-08
Company: Innovate Managed Holdings, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a loan with the company since XXXX of 2021 and have yet to receive a statement, or a bill, or a breakdown of how my payments are being applied. I have never been late or missed a payment but am now receiving emails stating they are attempting to collect a debt and my account is in collections. When I call the company they are not able to locate my account by number but are able to show my payment history. They stated they can not send out statements because they are behind with a system upgrade, but I have never received one. They also stated they would send me my payment history, but I have not seen that either. Their website doesn't show any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: U.S. BANCORP
State: CA
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:
I applied for a new credit card and XXXX XXXX XXXX denied me because I would only allow a pin-accessed credit pull. I refuse to unfreeze my credit reports because my data was part of the XXXX  data breach. I offered to unfreeze just one of my credit bureau reports but they insisted that they had to pull one at random from the 3 bureaus. Given XXXX XXXX irresponsible handling of our private data, consumers should not be the ones to pay the price ; the credit industry ought to carry that burden and if it comes at the expense of XXXX  so be it. Credit card issuers like XXXX XXXX XXXX shouldn't be able to force me to unfreeze all my reports considering my data has been stolen and unfreezing them would put my credit and identity at risk. At its core, what XXXX XXXX XXXX is asking is discriminatory against those who have had their information stolen in credit bureau security breaches, or who have had their identities stolen in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
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:
I have FAILED TO PAY a debt from SYNCB/TJX COS. 
1 ) I made a purchase and the credit card bill was sent to wrong address.

2 ) due to wrong address, bill wasnt paid 3 ) showed up on my report : I called to pay the debt off after learning it was sent to the wrong address **** 4 ) I paid IN FULL the amount owed and was told it would reflect in 10-45 day back in XX/XX/XXXX ***** 5 ) I CAL EVERY SINGLE  MONTH for over a year and talk to the SAME representative who tells me okay we left a note and it will be updates sorry for the inconvenience **** 6 ) today I called and refused to settle for a verbal and talked with a supervisor which HE told me there is NO DEBT OWED - and it had been reported and sent to be updated. 

***** 7 ) TO THIS DAY XX/XX/XXXX IT HAS STILL NOT BEEN FIXED and has on my report showing balance due : {$110.00} and failure to pay and has not been changed and is affecting me to this day! 

The supervisor stated theres {$0.00} balance, stated its been updated, stated that to call again in 10 days. 


This has been a issue over a year, killed my credit score, and is affecting my ability for loans and other things that require good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent to collections I contacted the company via letter to obtain proper documentation on debt owed. 
Company name is : Portfolio recovery associates LLC. 
AMOUNT : XXXX COMPANY HAS NOT PROVIDED LEGAL PROOF ABOUT OWNERSHIP OF THE DEBT NOR ANY INFO REGARDING LEGAL RIGHT TO COLLECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I entered repayment of my student loans in XX/XX/XXXX. Until XX/XX/XXXX, the loan servicer was XXXX XXXX XXXX XXXX XXXX XXXX  ). I consolidated my loans with XXXX  with my first payment to them in XX/XX/XXXX. My loans were transferred to Mohela in XX/XX/XXXX. I have attempted without success to get documentation of my student loan payments made from XX/XX/XXXX to XX/XX/XXXX from XXXX and Mohela but XXXX and Mohela do not have a record of these payments. I was informed by Mohela to contact studentaid.gov ( Department of Education ) which has informed me to contact my student loan servicer, then informed me to contact XXXX XXXX XXXX XXXX XXXX XXXX  ), the prior servicer. As I have paid on this student loan since XXXX and have never been in default, I believe would be eligible for forgiveness under the XXXX  year student loan forgiveness program in XXXX. I was hoping to retire that same year as I will be XXXX XXXX XXXX. As I am unable to find a way to contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am missing XXXX  years of student loan payments in my payment history with no way to verify the payments. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquiries that were authorized by me with my consent are XXXX XXXX XXXX XX/XX/2019 and XXXX  XXXX XX/XX/XXXX and XX/XX/2019. All other hard inquiries were observed on my credit report recently and was not authorized by me and without my consent. These inquiries are listed below. 1 ) XXXX- XX/XX/2019, XXXX  XXXXXX/XX/2019, XXXX- XXXX XXXX, 2019, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2019. Also see a previous consumer dispute sent on XX/XX/2019 in reference to XXXX XXXX technical issue that was pulled my credit report back to back many times after one credit application. Which they admitted to the issue and tried to resolve it. The hard inquiries still havent be removed associated with it. All 7 hard inquiries were done without my consent and was reported to thier security department and fraud team. The only hard inquiry that was authorized by me from XXXX XXXX was done on XXXX XXXX, 2019. All other inquiries were not authorized and their was a glitch and security issue that created multiple credit pulls which resulted in back to back credit pulls from this company. Several tickets were sent for the error to be fixed and the account was notated by several managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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