BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
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 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, 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 2022-01-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Finance, Thank you for providing a place to which I can write!! I have been in financial XXXX about the replacement of my home destroyed by fire in XXXX. I paid my payments correctly until XXXX and XXXX! I have always been ahead of my monthly payments until XXXX when I decided to hold it because they were not processing my claim fast enough. I have paid XXXX and XXXX now but am still hurt, sick and totally frustrated with their lack of moving quickly. With the replacement of a Modular Home the foundation is completed and we are waiting for water and electricity after the house is in place. The outdoor porch room also needs to be completed but they are holding that money until the is done. I have spend over {$10000.00} in renting a place to live and I do have receipts! They promised us before XXXX but as we called today XX/XX/XXXX, we now will not receive it for 2-3 days! I also will not receive the full amount to complete porch until we go thru all of this again! I am tired and sick of waiting! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But this has been an amazing waste of my time. I am trying to file an complaint against NewRea / Shellpoint for their handling of this matter. We have spoken to almost I think all the employees, they do not allow one person to work on a case. So we talk and say the same speech every time we call. Rude, expensive, and not caring employees do not care about an XXXX XXXX XXXX XXXX WAITING!! Please file this complaint against the Mortgage Co. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Information belongs to someone else

Complaint:
I was looking over my experain report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!

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 2022-07-20
Company: EQUIFAX, INC.
State: NY
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 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 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 2022-03-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX  XXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: HYUNDAI CAPITAL AMERICA
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: Old information reappears or never goes away

Complaint:
Hyundai Motor Finance is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to Hyundai and the payment was on time! This is fraud Hyundai Motor Finance is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of Hyundai deceitful business practices! Due to Hyundai fraud of reporting my payments late my credit is ruined! My score will s below XXXX and this false late payments information Hyundai is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX Hyundai reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Credit bureaus Experian and XXXX are scaming people offering your score for {$1.00} and then charging {$20.00} per month if you do n't go back and cancel a service that you did not order in the first place. You become aware of it when you see the charges in your credit card. By that time, they already got your money. It 's a scam of the worst possible kind from the very people who is suppose to ensure the transparency and good faith of the system.

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 2016-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.

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 2022-10-07
Company: SYNCHRONY FINANCIAL
State: MO
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:
Synchrony Bank was and is in violation of 15 US code 1601, XXXX XXXX 
Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen. 
The first thing is that I made an uninformed decision when I entered into this consumer transaction. 
Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. 
Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Synchrony is in violation because there is no evidence of indebtedness, only an agreement, and this " agreement '' which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction. I requested that proof and a copy of the 1099C they filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, Synchrony is reporting this income on the Credit Reporting Agencies which is in violation. 
Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation.

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 2022-08-30
Company: Kriya Capital, LLC
State: TX
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:
Credence Resource Management is contacting me daily and reporting on my credit report negative information and incorrect balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services , LLC ( Carrington ) is in violation of Regulation Xs loss mitigation procedures by failing to implement an FHA Covid-19 Advanced Loan Modification agreement accepted by the borrower prior to the transfer of servicing to Carrington. 

For more information, please see attached letter and supportive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXEQUIUM ASSET SOLUTION has flagged your account as Collections on XX/XX/2022 with XXXX XXXX XXXX for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX Police and filed a police report for identity theft ( Report # XXXX, filed by Officer XXXX on XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing to have a lien held by CitiMortgage on my property at XXXX, FL XXXX removed. This lien was included in a bankruptcy filing by my wife XXXX ( see attached Schedule F, list of creditors ). This lien should have already been removed. 
CitiMortgage stated in a letter copied to Consumer Financial Protection Bureau, dated XX/XX/XXXX, that " XXXX ' bankruptcy filing had no impact on the property located at XXXX, FL, XXXX. '' This is incorrect. I have attached court documents from XX/XX/XXXX and XX/XX/XXXX that list XXXX as the representative of CitiMortgage/XXXX and clearly identify the property at XXXX, FL XXXX by both the postal address and the legal description of the property.

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 2022-10-07
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 fraud alerts or security freezes

Complaint:
XXXX XXXX has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2016-04-12
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.

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 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: Old information reappears or never goes away

Complaint:
XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida

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 2022-08-25
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Costco Citi card for about 5 years. During Covid, I was XXXX  and still managed to make payments. This account was maxed out and I paid the minimum monthly. I was in good standing with this card. I was even set up on auto pay. I recently started a job making more money as was able to begin paying all of my debt. I paid the full amount of {$3900.00} on this card and within a week they closed my account. I was told that they review accounts monthly, but why was it closed when I havent had any dings to my credit report in over a year and this card was I good standing. I am able to pay my bill monthly with no issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Investigation took more than 30 days

Complaint:
A demand for verification of debt was presented to XXXX and Experian by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.

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 2022-03-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is due quarterly, every 3 months on the XXXX in XXXX / XXXX / XXXX / XXXX On the website on XX/XX/XXXX I logged on to the account to make a payment for the XXXX due date. At the top of the website the account says " XX/XX/2022 Due Date '' with an amount due. I made my payment on the XXXX of XXXX. In late XXXX I received a notice in the mail indicating that my account was 30 days late and I was charged a late fee and now had a payment due on XX/XX/XXXX. I called Heartland ECSI and they indicated that my payment was made too early and that it was considered an additional optional payment on the loan since it came before my statement on XX/XX/XXXX. I let them know that their website very clearly has a due date and an amount due so if I make a payment the common sense assumption would be that you're making a payment toward the due date and amount due listed. 

As another example, my account now says that I have a payment due by XX/XX/XXXX for {$300.00}. I was told if I make the payment pretty much before XX/XX/XXXX ( the estimated statement date for XXXX due date ) that my payment wouldn't be counted for the amount due. I don't understand why their website would lay out in large letters a due date and amount but if I click make payment and make a payment then it won't necessarily count toward the amount due right next to the make payment button. I've attached 2 screenshots from the page showing this layout.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DISCOVER BANK
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 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 2015-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A court judgment was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and it was also listed that the judgment was against me whereas it was for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016

Company response to consumer: Closed with explanation