BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: MO
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:
Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
In accordance with the Fair Credit Reporting act XXXX 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 2022-09-22
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Around XXXX I was sent a lot of emails for pre-approvals saying that I was pre- approved for credit cards, personal loans and refinancing for my car. Emails from credit karma with these pre approvals would be sent almost everyday. At first I thought it was too good to be true but after months of seeing these emails and these offers when I would check my credit score and Email from credit karma with all these offersI believed them I started telling my children my friends and parents that I would finally be able to get a lower interest rates for my car, finally fix my home, go on vacation and be able to invest in some different investments means my family talked about sooo I went ahead and applied for XXXX credit cards, a refinance for my at the time XXXX XXXX XXXX and a personal loan for {$20000.00} to have my home repaired.I was crushed I was deceived I got sooo XXXX and my XXXX has gone through the roof. Every time I see pr approvals my heart pumps so fast with fear and anger why would such things be marketed to me if it wasn't true I was lied to its like who can you trust I thought they were supposed to help me not hurt me. I barely check my credit now n my journey to repairing my credit has been set back im a single mother with XXXX children that live in poverty im just trying to make it got ta here soo my children will be safe and happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: OH
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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and 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 2022-07-29
Company: Experian Information Solutions Inc.
State: NC
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, Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year

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 2022-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Noticed a few accounts on my credit I do not recognize

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 2022-07-02
Company: Experian Information Solutions Inc.
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:
Accordance with the fair credit reporting act XXXX account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX First XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: LEXISNEXIS
State: TN
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/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, LexNexis  Risk Solutions Inc and XXXX XXXX/LexisNexis Risk Solutions gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 2023-12-15
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACIMA erroneously turned over a line of credit debt ( previously paid off ) to a collection agency. The collection agency is now trying to collect a balance that doesnt exist. The loan was paid off on XX/XX/. ACIMA offers 90 days same as cash terms. However, they are not honoring the contract agreement. Theyre guilty of bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 accounts 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 : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
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:
Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am a XXXX XXXX and i am trying to do a cashout refi for a borrower. This borrower 's current mortgage is held by BSI Financial Service. The borrower 's credit report shows him having a 30 day late on his mortgage back in XXXX. The borrower was never actually late. This was a result of an error on BSI 's end while onboarding the borrower 's loan from a recent service transfer. 

The borrower tried to have BSI correct there error. In XXXX, BSI sent him a letter stating that the 30 day late was reported in error. They said that the late would fall off of his credit report within 30 days. Fast forward to XX/XX/XXXX, and the 30 day late is still reporting. 

I have a service at my company where my credit provider can rescore/adjust the credit report. All my credit provider needs is the same letter that BSI sent in XXXX, but with a date on it after XX/XX/XXXX. ( We can not use the one from XXXX ) The borrower then called to have them email it. They said they would and they didnt. I then called ( Myself and my company are an authorized 3rd party ) and tried to get them to send the letter with a new date. They said they would and after a week they did not. I called again and had the same conversation, they said they would send it and did not. A week later i called again, and had a very similar converation, except this representative told me that she could not verify me as a authorized 3rd party. I asked who i should send the signed borrower 's authorization form to. She gave me their customer care team 's email. on XX/XX/2022 i emailed the BSI customer care team a new signed borrower 's authorization form and requested that they respond when they receive it. Five days later, no response. XX/XX/2022, i sent another email following up. 

After that, i XXXX the company and read XXXX  reviews. it seems that this is common practice for them. Someone said that they will not help you unless you get the CFPB involved. Please help. My borrower will greatly benefit from getting this cashout during such a hard time, and can not because of the actions/inaction of BSI financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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 Bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXXHAS Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2023-12-11
Company: Kriya Capital, LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive an invoice from XXXX XXXX XXXX and the first I knew about this was a collection call from Credence. 
After calling my insurance and communication with the collection company was informed to wait Until it was sorted out. 
I did not receive any information by mail or phone with updates. 
On XX/XX/ I received another collection call this one for a lower amount. No Breakdown of charges or explanations of new charges was given. 
I also could not understand the person very well due to a language barrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Shellpoint/New Rez mortgage company continues to either not apply payments or apply payments late in order to extract additional fees to homeowners. I went to XXXX of South Carolina and it was indicated that information was not applied properly and Shellpoint/New Rez updated their records, just to later say they made a mistake. This is an ongoing issue that needs serious attention and a forensic audit needs to had at the highest level. In XXXX ( document attached ) there was a surplus overage resulting in the payment going back to {$1200.00} however the account is never credited on time. Fees for insurance regarding HOA was accruing after documents had been for over a year and it was not until the information was supplied to XXXX of South Carolina did they update the records however then they did an about course again. They are not mortgage company that should be operating in any community as it appears the personnel working at this institution is not capable of properly crediting accounts in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) Back in XX/XX/XXXX, I was advised by a BofA Rep my Deferral would end in XXXX XXXX and to pay my usual payment again in XXXX XXXX. 
2 ) In XXXX I called BofA and spoke to several BofA Reps including a XXXX and his manager, they indicated the Deferral ended at the end of XXXX XXXX and that my XXXX payment that I paid ( because of what the BofA Rep told me to do in XXXX ) would be applied to XXXX XXXX and to not pay again until XXXX XXXX XXXX ) I have paid all payments as asked to by BofA Reps and XXXX, however BofA continues to be misguided from systematic failures internally with systems that are not communicating with one another and despite this having A LOT of documentation and every " live '' BofA Rep I speak with apologizes and says they will escalate it ... IT STILL IS not FIXED. 
4 ) BofA tarnished my XXXX and also has had collateral damage to my borrowing power as nearly ALL CC companies reduced my credit limits due to these derogatory remarks which frankly ARE NOT true and are highly damaging 5 ) Received a very threading letter from BofA titled " Notice of Intent to Accelerate '' by XX/XX/XXXX however in my last conversation with a BofA Rep XXXX XXXX on XXXX she said after reviewing all the notes, she apologized on behalf of BofA and said she would escalate this and also the BofA Investigator XXXX XXXX said she would determine what next steps could be since I had no choice but to elevate these BofA mistakes to the CFPB XXXX 6 ) PLEASE get back to me ASAP to resolve, and correct mistakes and move on, thank you so much.

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