BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX negative accounts on my credit profile which was reporting incorrectly. This has to be the worst company and customer service I have ever dealt with in my life. I have provided everything required to remove a negative on my credit and even the company I disputed had responded and all I have gotten is the run around and no one actually willing to help get it cleared up all they tell me is it can take 90 days to remove which is not as per FCRA GUIDELINES. My Report Confirmation number is XXXX. I disputed inaccurate information with EQUIFAX and even went as far as to send them documents on XXXX separate occasion to validate my claim here is the certified mail receipt number : XXXX & XXXX, I sent the documents to prove that the information was incorrect. However Equifax totally ignored my request and did not update & delete the incorrect information, which was being reported on my Equifax consumer report. The accounts were XXXX Account number ends in XXXX, which was paid in Full, and the account was never late. The letter was sent into Equifax who did nothing on the request to report the correct information. The Second account is From Child Support No account number but reporting a Collection & Amount for which I have no responsibility. I also made sure to provide the letter from the agency to Equifax who again did not delete the incorrect information since the account did in fact not belong to me. When this company supposedly investigated the information, the results were that the creditor verified the information reported. I contacted the creditor and was informed that Equifax has been notified of the correction but had not updated. My consumer profile to reflect the proper changes. I will also be submitting a complaint to the Consumer 's Financial Bureau and will be forwarding the same documents to them, which was a payment in full receipt and a letter from the child support stating that the account should be deleted from my consumer profile. Something needs to be done to make sure that Equifax is reporting account information and updating in a timely matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. 
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. 
We have submitted paystubs again because they can not read what was sent. 
This time we have faxed again and submitted a hard copy priority mail. 
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. 
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. 
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. 
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. 
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. 
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My rental car was broken into on XXXX XXXX, 2016 while I was shopping at XXXX on XXXX XXXX, XXXX. My bag was stolen with XXXX of my credit cards, cash and my driver 's license. In less than half an hour, ( I was not able to inform my credit card company of the theft as I was driving home ), XXXX cards were used at XXXX XXXX in which over {$5000.00} total was spent from XXXX cards. I called XXXX credit card company within 45 mins of the theft, XXXX were able to reverse the charges. HOWEVER, I have been " battling '' with AMEX to reverse the charges that were imposed by the thieves. I have attached the letter that came back from AMEX, informing me that the fraud charges can not be removed. I have also attached the XXXX Police Dept Reportee follow up note showing proof that the theft did happen. I CAN NOT understand WHY AMEX is denying the fraud charges when even XXXX 's fraud dept admits " wrong activity '' on my cards. As you can see from the docs, the last letter from AMEX attached a receipt of the purchases. The receipt HAS NO signature!!! I have tried contacting XXXX fraud dept to see if they can help me reverse the charges. Unfortunately, they were of NO help indicating that it was a third party credit card. My understanding with credit cards, especially AMEX is that the consumer is not responsible for fraud charges, as such, I am reaching out to your bureau to help me resolve this " nitemare of a problem ''! Dealing with the car theft and broken window on the rental car is already a stressful situation, I do not believe that AMEX has added " salt to injury '' by making these fraud charges unresolved. Please HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company keeps calling me about a debt of someone else 's. I told them I am not that person several times and they keep telling me my number is off the list but I still receive a call almost everyday in which I answer with hello and they say nothing but hang up. The number that they are calling from is XXXX. Any help would be appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ALCHRO INC.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Genesis FS Card Services, Inc.
State: WI
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:
On or about XX/XX/2022 I received an offer in the mail stating I was approved for a credit card with Milestone. The credit card offer states I have until XX/XX/2022 to accept a {$300.00} limit and approved until XX/XX/2022. I also have personal code that approved the application. On or about XX/XX/2022 I went in to enter my information to open the credit card and was denied. Than I tried again and was re-directed to a website called " XXXX  '' which looks to be a furniture website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # XXXX has violated my rights. 
XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than record 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 cause to believe that 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 2017-04-03
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Direct financial llc bought my mortgage from XXXX in XX/XX/2016. I have made all payments on time. I received. Late notice in XX/XX/XXXX so I called and they said I was a month behind. I sent proof that my XX/XX/XXXX payment went to XXXX and I 've paid on time from last XX/XX/XXXX until present. They are ruining my credit by stating I have missed 4 months! I have pulled my online accounts and every payment has posted on time! I received another late notice in XX/XX/XXXX! My payment posted on the XX/XX/XXXX. Please help me with this matter. I am in the process of looking to buy but there is no way with 4 missed payments on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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, the item listed below has violated my rights. 

INQUIRIES : -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 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 -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2016-04-15
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 CitiMortgage Consumer Financial Protection Bureau I have been working with CitiMortgage for the past seven months trying to remove PMI insurance ( {$120.00} per month ) from our home mortgage loan. I have followed all required instructions, including paying for the appraisal, using a company of their choice. The appraisal has multiple errors, and did not use fair comparables. I submitted in my Appraisal Appeal XXXX sold comparables and XXXX For Sale comparables that more fairly matched the exterior and interior features of our custom built home ; any of which would meet the LTV criteria in order to drop the PMI insurance. 
I have followed up with CitiMortgage over a dozen times to no avail. During my last conversation this week, I was told they do n't have record of my appeal! Exhausted and frustrated with their run-around, I am reaching out to a federal agency for assistance. 
Below are details of conversations : XX/XX/XXXX Requested specific details of how to request PMI to be cancelled from loan XX/XX/XXXX Submitted my request to cancel PMI XX/XX/XXXX Paid appraisal company thru XXXX {$380.00} XX/XX/XXXX Received appraisal details XX/XX/XXXX Contacted appraisal company directly. Per their representative, my dispute would need to be filed directly with CitiMortgage XX/XX/XXXX Received denial letter from CitiMortgage XX/XX/XXXX Contacted CitiMortgage requesting disputing rights appeal foam XX/XX/XXXX Called CitiMortgage ; never received dispute form. Requested email XX/XX/XXXX Per instructions, faxed completed Appraisal Appeal form ( XXXX pages ) XX/XX/XXXX Called CitiMortgage to confirm receipt of fax XX/XX/XXXX Called CitiMortgage for update on appeal request. Should receive letter in mail. 
XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call me back XX/XX/XXXX XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call back in 24-48 hour XX/XX/XXXX Open work order # XXXX XX/XX/XXXX Received standard letter about not qualifying for cancellation of PMI. Did not address Appraisal Appeal XX/XX/XXXX Call CitiMortgage to advise I will be filing a dispute with CFPB. Agent advised he could not find where I previously faxed my appeal. I confirmed the fax number that was used and stated on instruction letter. Agent asked that I re-fax to a new fax number.

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 2016-01-14
Company: J.S Resolution Group, Inc.
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving phone calls from J.S Resolution Group , Inc. 
for a loan that was included in a chapter XXXX bankruptcy. I attempted to give my attorneys information to the person calling me and they started yelling and hung up on me. They said they were going to sue me and garnish wages. 

I have also contacted Washington State attorney Generals office and filed a complaint and that complaint was resolved. They stated that they knew I was in BK and they would stop calling me. This was XXXX 2015. Today I received a threatening call at work and started receiving threatening voicemails about being sued and garnished wages. This is not okay and needs to stop. I have taken the action that I am responsible for, and they could have responded to the BK paperwork and been included in the payment plan. 

I have received calls from XXXX, XXXX.

Company response to consumer: Untimely response