BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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 2022-06-17
Company: EQUIFAX, INC.
State: WA
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:
Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ). 

I paid as soon as I am notified about the pending bill working with hospital  ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments. 

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc. 

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason. 
Attached lots of information. Still, I can provide necessary information, if you need any. 

Please help to get my desired score honoring my history.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.

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 2021-04-19
Company: MARINER FINANCE, LLC
State: NC
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:
XX/XX/XXXX, amount {$4100.00}, this is not my account, it was deleted XX/XX/XXXX now it's back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.

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 2022-06-17
Company: EQUIFAX, 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:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a call from MUFG Union Bank, N.A. on XX/XX/XXXX/2019, and they stated that I did not make payment to my previous mortgage company, XXXX for XX/XX/2019. 

For one, why is another mortgage company trying to collect for another? If my problem is with XXXX, then they alone should call me. And why is this problem 2 months old? 

There is no problem, and MUFG Union Bank is unfairly harassing their customers due to their incompetence. This has happened with another complaint I have filed with the CFPB and occurred with another mortgage payment that I provided proof. 

I have included a snapshot of payment made 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.

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 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One opened two account 's in my name without my permission using a stolen email address XXXX, It is believed that these two credit card account 's were opened on or around the same time. I am not certain of the date of account opening as I NEVER received a card from this company. I never got a call to verify that I applied for this card, and My Stolen Identification was used to open said account. Capital one confirmed the one account was fraudulent and opened due to Identity theft, however the higher balance account Capital One is purposely trying to state this is my credit card, I never applied for this account. My only email address is a Gmail address, Capital One REPORTED A FRAUDULENT ADDRESS To go along with the account. I do not have any account 's with Capital One, I do not authorize any charges on the said account 's. I have never applied, nor received any credit cards from Capital One. Regardless. I am not responsible for account 's they allowed to be open using stolen identification, Especially with Extended Fraud alerts on my credit files, and Capital one yet still is attempting to report an XXXX XXXX Address on my Credit File which I will continue to dispute as not authorized. The account ending in XXXX I was just sent a letter for as of yesterday and all the letter says is account ending XXXX We have deemed this to be your responsibility due to the activity on the account. It states - Activity on the account indicates you opened and interacted with this account. The FRAUDULENT charges totaling {$2100.00} will appear on " Your next billing statement '' Mind you I have never received any statement 's from this company either. Again I do not accept responsibility for this account. No activity is my activity. I did not open this account, I did not receive this card, and I do not accept responsibility for Fraudulent Charges. Your inquiry has been blocked off my credit file, and I will continue to report this to the FTC and Identity Theft Resources. I am not accepting responsibility. I want this account removed from my credit file. I did not apply for this account, and I did not receive any cards for this account. The email address, and Address you have listed on these accounts ARE FRAUDULENT. Not authorize, Not accepted. I did not apply, and I did not use this card. I never received any cards from your institution and I want it off my credit file. FTC Identity Theft Affidavit is attached and this has been sent to the Credit Bureaus and to the police. I will make sure I continue to dispute this account, I want Capital One to Cease and Decist. I am not Agreeing to any debt I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is one difficult company to deal with. Theres a XXXX XXXX XXXX account that on my Experian report that doesnt belong to me. I have disputed this account many times in the past and it keeps coming back as verified. I want to know how? I dont believe the Disputes are being handled by a live representative. Matter of fact I believe that the credit bureaus are running are Disputes through a machine. Verifing the accounts without contacting the creditors. Again this account XXXX XXXX XXXX for the amount of {$350.00} does not belong 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 2022-06-17
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX had ben taken from my NetSpend acct reported disputes I had XXXX from my tax return I did 1 transfer for XXXX nothing afterwards please call me at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

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 2022-06-17
Company: Experian Information Solutions 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 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 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2017-08-22
Company: Bread Financial Holdings, Inc.
State: NY
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:
This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
-Card company closed my card XX/XX/2018. 
-Ive

made automatic payments since. -Im trying to p
ay off this debt via a loan company. 
-Credit card company wont give me my account number so that I can pay my balance. 
-Since account is cancelled I cant get a new card with account number. 
-Credit card statements dont have account number. 
-Online chat wont give it to me. 
-I called and they wont give it to me. 
-I escalated to a supervisor and they still refuse to give me my account number. 
-This account has been closed for almost 4 years ( their doing and nothing related to missed payments or exceeding balance ) so I dont have the card anymore and I dont have any monthly statements with the account number. 
-I need my account number to have this paid by the third party company and this credit card company is refusing to cooperate. 
-Ive been trying for weeks. And my deadline for this loan company is 9 days. 
-If I dont pay this its going to show as late payments and then go to collections. 
-Why am I not entitled to my own account number? Why are they refusing to give me information that will allow me to pay my bill? 
-They have given me zero options except to pay with a bank account online or over the phone which dont work for 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