BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter date XX/XX/XXXX that Sunrise Credit Services was trying to reach concerning a very old XXXX XXXX XXXX  Account. They said that if I did not respond by XX/XX/2022 they would remote me to credit bureau. I received the letter on XX/XX/2022. This is the first communication from collector concerning this debt. They claim they have been trying to reach me by phone, but you receive so many spam calls a day that it would be next to impossible to know if they were calling me as no one ever leaves a voicemail. This may have been involved in bankruptcy as I had an XXXX XXXX XXXX  account in their. I have been given no chance to dispute this with them, prove otherwise or be given validation. I did have an XXXX XXXX XXXX account that is being handled by my state AG and the FCC. I refuse to speak to a collector at all as they refuse to listen and have a poor track record according to 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 2022-06-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My XXXX student loan to attend XXXX XXXX was serviced by Citibank from XXXX through XX/XX/XXXX. 

Am I eligible for a refund due to Citibank misleading me on minimum payment amounts? 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-citibank-student-loan-servicing-failures-harmed-borrowers/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

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 2023-10-17
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I purchased a home in XXXX XXXX for {$150000.00} with a loan amount of {$120000.00}. This made my original LTV 85 %. I am current on all payments and have never had a payment over 30 days past due. My principal balance fell below 78 % of the original purchase price in XX/XX/XXXX ( see attached statement from Flagstar Bank from XXXX showing principal balance of {$110000.00} which is 77.9 % of the original purchase price ). 

It has been over 12 months since my loan balance fell below 78 % of the original purchase price and Flagstar has not only failed to automatically drop my PMI payment, they have actively refused to do so. I have called three times requesting PMI be removed, and each time the representative has refused.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely XXXX, XXXX and TransUnion, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased shoes from XXXX XXXX XXXX XXXX in XXXX via online. 3 out of the 4 pairs did not fit. I went to the store to return them on XX/XX/2022. Instead of refunding my XXXXXXXX XXXX XXXX XXXX XXXX  ( which was what I purchased it on. ), it was refunded on my XXXX card. I'm not sure how that happened because I gave the cashier the packing slip. However, I did received a refund of XXXX. 
When my bill came in, I only paid for the 1 pair of shoes I kept. My XXXX bill still did not show a credit ( obviously ) so when I called, I only asked that the shoes be removed. They can see that I already received a credit and I already paid for the shoes I got. However, the company XXXX Comenity Bank ) could/would not just remove the charge. I do not want to pay for items I've already returned. One associate told me to issue a dispute. When I tried, Comenity 's site went down for " routine maintenance '' and has been down for the last week. You can not call or access the website. How is this good customer service?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two cards that were due for payment yesterday XX/XX/22 and I was not able to log into my account I attempted several times throughout the day and was not able to log into my account, this is the message it was giving me Were sorry. A technical glitch has occurred and your request can not be completed. Please try again later, which I did and still nothing. I have called several times and there is no one available to answer calls. I do not want to be charged a late fee as this is something that is out of my control. Please let me know what I can do to resolve this issue. 
Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: U.S. Auto Credit Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I got the car it was through a buy here pay here. NO CREDIT REPORTING. The car was totaled and the company was supposed to have their own insurance on the car as well as mine. They did not put insurance on it and so I checked my credit report and noticed the company US Auto Credit was on my report. I got my car from US Auto Sales in XXXX, Ga. Which is a buy here pay here. I tried reaching out because it said that {$7000.00} was written off, yet the amount I supposedly owe is over {$13000.00}. It is being reported as on time with payments through XXXX but thats impossible as I havent made any payments due to their issues and I never took out a loan that reports to my credit with this company. Because they put this on my report and I wasnt notified of ANYTHING! You can just report something just because you want to. So being that they are illegally reporting payments being made, it has made the year of dropping off my report to XX/XX/XXXX, when from what they report it should be XX/XX/XXXX. I want this off my credit as I do not owe them anything as I never went through US auto credit. I havent received any paperwork, phone calls or anything validating this debt. Yet they have updated they couldnt find me. Another lie! This is hurting my financially and I am already going through hard times. Please delete this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Website has been down and my card is being declined ( my credit score is XXXX ) no one knows nothing, erroneous info provided, no end in site, is this a breach?? Started XXXX that i know of. Calls to customer care no loner answered. Am furious... thus is A BANK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Eqifax did not follow law they didnt follow the 30 days demand to comply law also I sent in my FTC report over 30 days ago for fraud inquiries this incorrect information needs to be deleted Inquiry Name : XXXX Inquiry Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Date : XX/XX/2021 Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Name : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Date : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying for days to pay my Comenity BJ 's XXXX. Their website says they are doing a maintenance update, so not able to login. When you call them there is recording saying they can't assess your account information and their offices are temporarily closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A family member had access to my bank account & deposited a fradulent check

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 2022-11-30
Company: Westcreek Financial
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
ok this is what happens I lost all my documents about a year ago and at one point I was withdrawing money from my card I reported it to the bank and they never took me out again and now I go to XXXX and it tells me that I have a car loan of XXXX I have never used my credit for anything this is the name of the company WEST CREEK FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2022-06-28
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: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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 719XXXX 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 XXXXThis 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have proof that my payment was made many days prior ( 9 days ) however, XXXX XXXX XXXX delayed sending the payment out to Chase. 
Unfortunately, I am the middle whos Credit report is affected. Please take a look at the timing of the payments that were deducted from my personal account. Thats date was XX/XX/XXXX. 
XXXX XXXX XXXX excuse that was explained to me was that they couldnt send it in a timely manner the due to the fact that the chase due date fell on a weekend. How is that my problem? 
It was only my responsibility as the customer to make that payment XXXX XXXX XXXX in enough time so that the process can take place. And thats exactly what I did. 

As a matter of fact, I started the process on XXXX XXXX weeks prior before the chase due date of the XXXX. 

But for reason unknown to me, Chase kept denying the payment and the program, and the 2 companies couldnt agree on the terms. 
Unfortunately, Im the person who has to bear the weight of a mistake that XXXX XXXX XXXX made. Whether or not it was a mistake, the bottom line is it affected my credit in a negative way. 

As you can see, my payment history is stellar, and as a veteran, this 30 day error prevents me from obtaining my VA loan.

Company response to consumer: Closed with explanation