BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: ACIMA CREDIT, LLC
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:
Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX Acima Digital FKA SIMP {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking at my consumer report, XXXX, Equifax, XXXX and saw a debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of myl information to this company. This debt collection company has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Global Lending Services LLC
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:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: VA
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 have called Eqifax, Ive even sent certified mail explaining to them you are reporting XXXX inquiries on my credit report, which are not mine. And yet still they are still reporting the inquiries, every time I call they tell me I have to send in documents which I did to all 3 credit reporting agencies, XXXX and XXXX XXXX has honored their part and removed all the fraudulent inquiries on my report and Equifax refuses to remove them. Since last year Ive been sending letters to Equifax and Im yet to get any results. I have been denied credit because of this. And Im going to hire a lawyer to pursue legal action. Its not right XXXX inquiries and wrong address on my report, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: CA
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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX Cash Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked XXXX XXXX XXXXXXXX has refused to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AL
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 OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Convergent Resources, Inc.
State: TN
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:
I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.

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 2017-09-26
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing because I have disputed this information several times to no avail. Equifax continues to " verify '' a tax lien that is inaccurately reporting on my credit report. I have also requested method of verification which I never received. According to FCRA, Equifax has 15 days to provide method of verification or they must remove this inaccurate information from my credit report. Furthermore, tax liens are to be removed XXXX years from the date it was filed. According to the most recent Equifax report, this tax lien was filed XXXX XXXX, XXXX. This tax lien should have been removed last month on XXXX XXXX, XXXX. Please remove this inaccurate public record from my credit report immediately and send me an updated copy of my credit report once this has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity bank website is always down. I can never make a payment online. When I call I am disconnected. They have no problem adding late fees but wont take payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
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:
In accordance with FCRA, Equifax has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX  XXXX Account XXXX has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from Equifax negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are 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 2022-12-12
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Original loan was secured through XXXX and was sold to Mr Cooper loan servicer immediately. My husband is a XXXX XXXX  and qualifies for property tax exemption in our state. Appropriate documentation was sent to loan servicer as soon as it was received in XXXX. Contact with Mr. Cooper was made in XXXX and I was advised that the document was received and to allow 21 days for disbursement of funds in escrow account and adjustment to payment to be made. I made contact again in XXXX before the XX/XX/XXXX payment would be due ( after at least 21 days ). I was told that the paperwork was processed but just the day before I had called and no adjustment would be made for XXXX 's payment of {$3000.00} which should be {$230.00} less than that monthly. I called again today XX/XX/22 at XXXX EST and was told their system was down and that I had to call back later. This was after holding for XXXX minutes and manipulating their deplorable computerized phone system. I requested a call back and was told they were not able to do that. When I asked to speak to a XXXX, the XXXX stated that I had " rejected a call back offer '' and then proceeded to tell me they could not call me back. This is just XXXX. I disconnected the call because unfortunately, I will have to call back. If the situation were reversed and I owed money to them, they would positively be more proactive. XXXX initially told us the exemption is done often and would be a simple and fast process to adjust our payment. I am adjusting the amount we pay, to what we actually owe monthly {$2700.00}. We need action taken by Mr. Cooper to reflect the status that my husband earned and if XXXX intends to service XXXX, they should cease any business with Mr. Cooper.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2022, I purchased a handbag with my Best Buy credit card ( with a 10 day promise of delivery ) from the following website : XXXX known as XXXX XXXX XXXX. When several weeks had gone by with no delivery, I attempted to contact the merchant by phone ( and email ) to cancel the order. Unfortunately, all these attempts were unsuccessful. Phone calls went to voicemail and emails went unanswered. 

On XX/XX/2022, I phoned Citibank credit card disputes department and filed my first of many disputes for this transaction. In the meantime, on XX/XX/2022, I received a handbag from the merchant ; however, it was not the same bag that I had ordered, and I promptly mailed it back to them on XX/XX/2022. 

I have twice provided proof Citibank team that I have returned the incorrect bag to the vendor, proof of my multiple attempts to contact the merchant directly for resolution and have been informed four times now ( and with no explanation ) that my dispute was denied.

This is such a clear case of internet fraud that no reasonable reviewer could refuse to credit my account back the {$650.00} and force this obviously fraudulent web site to reimburse the bank. 

There is absolutely no reason for this dispute to have been denied. There is, furthermore, absolutely no reason that I can not get a representative with the authority to remedy my issue to contact me via phone to discuss the way forward.

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