BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern, This notice is in response to Experian furnishing my personal information from XXXX XXXX XXXX  on my credit report without my permission on XX/XX/2022. I never gave Experian written instruction to furnish any of my personal information on my credit report, in violation of 15 USC 1681b ( 2 ) consumer reporting agencies can only furnish a consumer report in accordance with written instruction. Experian responded to my complaint by saying they investigated this dispute by verifying the information from, XXXX XXXX XXXX. This investigation is to be done through personal interviews with my neighbors, friends, or associates and NOT specific factual evidence on my consumer record obtained directly from a creditor, XXXX XXXX XXXX violation of 15 USC 1681a ( e ) definition of an investigative consumer report. 
Pursuant to 15 USC 1681 congress found that credit reporting agencies assumed this vital role and must exercise their grave responsibility with fairness, impartiality, and respect for my privacy. In addition, Experian is reporting transactions or experiences between myself, XXXX XXXX, and the company, XXXX XXXX XXXX violation of 15 USC 1681a ( d ) ( 2 ) ( i ) a consumer report exclusions. Pursuant to Experians policy, Experian also obtains my personal information from other Experian companies ( affiliates ), in violation of 15 USC 1681a ( d ) ( 2 ) ( ii ) consumer report exclusions. I demand that Experian remove the information reporting in regards to XXXX XXXX XXXX immediately and cease and desist all communications through all mediums with any third party company in regards to my credit report immediately.

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 2020-09-29
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The home that i purchased in 2015 was just recently deemed unlivable by an insurance adjuster due to Hurricane Laura that hit Louisiana coast. My home like many other 's was destroyed now i am getting calls from 21st mortgage company inc. wanting me to hound the insurance for money to pay off the home and even make payments on the home that is no longer. They are wanting payments and they demanding i call the insurance company demanding payment. I can't make the insurance company complete anything faster than they are already are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Issue: Privacy

Complaint:
I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IC Systems , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IC Systems , Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

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 2022-02-25
Company: Experian Information Solutions 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 XXXXXXXX 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 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 2022-02-25
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 XXXXXXXX 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 2020-09-29
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Account was frozen, billed at {$10.00} per month until XX/XX/2020 XXXX Billed Full amount of $ XXXX ( should be {$10.00} ) Got a doctors note stating that I still can not exercise, Account should remain frozen. I have a receipt that for the payment of this. 
XXXX Billed full amount of {$90.00} ( Covid-Gyms were closed- Should not be billed ) XXXX Bill Full amount of {$90.00} ( COVID- Gyms were still Closed-Should not be billed ) XXXX gym reopened XXXX Reached out to the business to let them know I have a doctor 's note that my account should be frozen, business would not accept my doctor 's note XXXX Billed full amount of {$90.00} ( account should be frozen {$10.00} ) Late Fees : {$38.00} As you can see for the month of XXXX there should be no bill due, gyms were closed due COVID government mandate. The business would not accept my doctor 's note, I explained to them that due to COVID everything was shut down and the doctor 's note did not arrive quickly and they mentioned they can not backdate anything. 

Incorrect Billing Amount : {$390.00} I paid for the month of XX/XX/2020, have a receipt for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX SUBMITTED ON XX/XX/2021 Ive submitted a complaint before and thought this was going to be settled. The Chime company was supposed to send me a refund now they have reneged on what they said they were going to do. I am reopening this until this gets resolved. I am trying to get my money back from CHIME. The reference number is above. I just want my refund that is owed to me. I cant get hold of a live person all I can do is email them which I have several times. Ive tried to tell their member services that I am supposed to get a refund and I still havent received it. Then they tell me Im not getting one when they admitted their was an error on their part. I want my refund like they said they were going to do. I sent them a copy of the email that I got from consumer financial to show them what their own member services team said that there was an error on CHIMES part and that they would send me a refund. Now Im getting a hard time getting my refund. If they continue on this path of not returning my refund Im hiring an attorney to sue them. I have all the documentation to prove about money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: DISCOVER BANK
State: HI
Product: Credit card
Issue: Late fee

Complaint:
In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with Discover to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XX/XX/XXXX I received a letter from XXXX XXXX ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUNDING XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2022-08-04
Company: Experian Information Solutions 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 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 an account without my written instructions

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX.

2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX  and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.

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 2015-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of 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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
From  XXXX   XXXX    XXXX  , I filled out the required information for a checking account over draft protection line of credit. First rejection letter from Huntington said that they could not verify my address. So I went into the branch to verify my address filled out another application. Second rejection letter from Huntington said my application was a duplicate inquiry ... .. therefore it also was rejected. I have called Huntington and wr ong two le tters and NO RESPONSE! I can only assume I am being discriminated against/based on where I live???????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account 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 : {$460.00}

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