BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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  Account # XXXX XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX.1 open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Our Telephone calls, emails, letters. Don't have all dates but our letters dated XX/XX/XXXX and today XXXXXXXX XXXX. Company responded to our emails and telephone calls with form letters dated XX/XX/XXXX and XX/XX/XXXX and with email XX/XX/2022. Last letter recross dated XX/XX/2022 saying they are correct. 

I can provide copies by mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 different comenity accounts, one for Big Lots and my newest one through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX When I got my first bill for big lots 8 months ago, they did not cash my check for weeks thereby marking it late and assessing me fees that I should have not accrued. I called the company and they finally removed the fees and I haven't had a problem since with them. I got my first bill from XXXX & XXXX last month and sent my check even earlier, knowing what happened with Comenity last time and now, almost 3 weeks later, I get another bill with {$86.00} in fees for a bill I was paying off in full. They have not cashed my check and I just had to put a stop payment on it. The bank shows it was sent out in time to be received and processed. This time, they will not do away with the fees. Short of me driving across the country to hand deliver this check, I'm at the mercy of the bank, post office and comenity to guarantee it gets there and on time. I find it far too coincidental that in 8 months with 100 % of my comenity accounts, the same trick has been played. They haven't had difficulty in receiving my other payments and nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 USC 1681 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 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 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe 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 2023-08-08
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a notice of default letter a week before the sale of my home due to foreclosure and they sold my home without giving me any kind of time to bring it current. They also sent me an email on payment I would need to send to them to become current and I sent wired transfer of the funds for XXXX and they rejected the funds saying I had to pay XXXX in order to bring current. I had applied for HAF program and was accepted and advised I would be expedited. They did not listen to me or allow this to happen before the sale of my home as well as they sent me the notice not even 24 hours from the sale and told me it sold on the court house steps without any certified mail or letter. They also inflated the amount I owe to XXXX when I only owed XXXX. Primary residential mortgage INC commited fraud on multiple levels and intimidation to scare me into paying and then told me they sold it anyway. Please help what do I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSWORLD SYSTEMS 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:
Per last complaint, XXXXXXXX XXXX agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow XXXX to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and XXXX have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
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:
I am formally requesting that you Validate all tradeline listings by Pentagon- XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  accounts # XXXXXXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

15 U.S.C 166B A creditor may not treat a payment on an account under an open end consumer credit plan as late for any reason.

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 2023-07-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
BARCLAYS Creditcard, Application XXXX for an XXXX XXXX XXXX XXXX, from XXXX. My Credit score at all 3 Credit Bureaus is between XXXX and XXXX. 
Barclays get the information about my identity from all major credit bureaus. Even that Barclays ask my to SEND (! ) by mail highly private and sensitive Documents ( see attached copy of the Barclays letter ) AFTER Barclays pulled my credit reports, which lowered my credit score! If BARCLAYS don't trust the information from the credit bureaus the should ask me BEFORE the ask the CR Bureaus for my scores! BARCLAYS damaged my Creditworthiness and thus damaged my reputation. This is the reason why I ask for a compensation. My attorney says I can do this!

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXXXXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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 Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 

XXXX XXXX  XXXX Acct # : XXXX both are reporting on my credit report. 
XXXX XXXX  Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: DISCOVER BANK
State: GA
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:
I booked a rental space through XXXX on XX/XX/XXXX to have old friends get together again for {$640.00}. Prior to our arrival the space had a horrible odor, everything didn't match the photos the host posted on XXXX. There were a lot of fingerprints on the TV and glasses ( plates and cups ), thick dust, extreme dirt, the couch was damaged and tears, one of my group friends got really sick from XXXX due to dust and odor, there are few on the list. I reported XXXX about this situation and sent photos for evidence purposes and they found the policy and house violations against the host. They recommendedthat I file a dispute charge through Discover credit card company because the host refused to refund when XXXX requested the host to do so. I contacted Discover on the phone with XXXX to file for dispute and she said she can not be able to help so I filed a complaint through XXXX and got a response from XXXX through XXXX that he can not do anything to solve this matter. 

Keep that in mind, I used my stage name known as XXXX XXXX XXXX on XXXXXXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I purchased a laptop through Best Buy that cost {$1400.00}. I opted to take advantage of the Best Buy / Citi Bank offer to open this credit card and receive a 10 % reward. I applied for the credit card and was approved. I was confused when ordering the laptop online, I wanted to make sure I got the 10 % credit, so I called Best Buy to assist me with the order. The customer service rep assisted me on a recorded line and walked me through the process. When it came to choosing the finance options I specifically asked if any of these options would affect my 10 % discount, which was approximately {$140.00}. The Customer Service Rep said no you can choose any option and you will get your 10 % reward. I chose the 12 months no interest and again confirmed that this would not affect the 10 % reward. The order was placed and chose the option to pick up the laptop at the local store that day. My intent was to take advantage of the promotion and had no intention to pay for this with a credit card long term and why the 12 months no interest was appealing. I have already paid {$500.00} since XX/XX/2023, however, did not see the reward on my account. I called Best Buy to resolve this and had to escalate this to a supervisor as Best Buy stated they can not resolve this situation and give me the 10 % reward even though I called Best Buy on a recorded line to assist me to complete the purchase correctly and get the 10 %.

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 2023-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
incorrect personal information off my credit report

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 2023-08-09
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), my account was hacked. The associated email was changed, and XXXX euros were transferred from my account to another account within the same institution. Around noon of the same day, I received an email about an attempted login to my account. In the afternoon, I started receiving several notifications from the application. When I tried to log in to see what was happening, I couldn't access my account anymore. I attempted to recover the email by sending my photo with the requested document, but the verification was rejected. I tried this twice, and both times were rejected. Later, I received an email confirming the email change, and a few minutes later, I received a notification about the completed transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently had to sue my insurance company for not paying out for damages in a timely manner. We finally settled and they issued a settlement check but put the mortgage company 's name on the check as well. Now the mortgage company, Freedom Mortgage, is not releasing all the funds to me. I keep explaining to them that this is a settlement check and not a check for repairs. They are insisting that I provided all sorts of additional documentation, including a home inspection inorder to release the funds. My attorney and myself have called multiple times and they will not release the full amount of my settlement 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 2023-10-03
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Identity theft this debt is not mine I I also did not give written consent to any reporting on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/XXXX XXXX I called in spoke to XXXX and made a payment of XXXX and XXXX in order to become current I was told at that time I was current for past due payment while in forbearance and that all was owed at that time XXXX but that was to include the payment for the month of XXXX being my forbearance didn't end til the XXXX of XXXX and that she would call me back for the XXXX payment I said ok. 

I then made another payment XXXX on XXXX the XXXX 2023 through XXXX id # XXXX who stated that I would be brought current and would not owe any money until XX/XX/XXXX Every day since making these payments I have been called and told I owe different amounts ranging from XXXX one day then the next I owe XXXX then now I owe XXXX but I shouldn't owe anything.

Company response to consumer: Closed with explanation