BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: IL
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 victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from XXXX, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act 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.1618 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 explanation
Consumer complaint received 2022-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
1.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 9 different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 3 different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 8 different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 6 different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX on XXXX XXXX to 5 different credit company which i did not know about.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Comenity Lane Bryant credit card payment was due XX/XX/XXXX and I attempted to log onto their system at least once every couple of day since XX/XX/XXXX unsuccessfully. The system/company is indicating system updates and to try again, which I did - both online and by calling. 
I called the retail branch XX/XX/XXXX and they can't take a payment t and refer me to Comenity.

I am worried about late fees and penalties, but also the affect on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
PLEASE REFER TO CFPB REPORT XXXX REGARDING XXXX XXXX. THIS IS BORDERLINE XXXX. I EMAILED EARLIER REGARDING THE LETTER SENT BY XXXX XXXX DATED XX/XX/XXXX AND I ATTACHED A COPY OF THE XXXX XXXX TRACKING PRINT OUT WHICH BASICALLY STATED NO SUCH TRACKING NUMBER BASICALLY EXISTING. NOW WE ALL KNOW THERE IS A XXXX XXXX XXXX WHICH IS GOING TO RETRO ACTIVATE THE PREVIOUSLY UPLOADED TRACKING NUMBER AS IF IT WAS AN OVER SICK. 


AS A RESULT OF MY EARLIER COMPLAINT XXXX  SHOES UP AT THE DOOR AGAIN TODAY XX/XX/XXXX WITH THS SAME EXACT LETTER FROM XXXX XXXX DATED XX/XX/XXXX. THE TRACKING NUMBER XXXX XXXX XXXX XXXX POPS UP. IT APPEARS IT WENT FROM XXXX XXXX XXXX / XXXX AND HIT MY ADDRESS XX/XX/XXXX. AND IT WAS NO EVEN SENT PRIORITY. LOL SUGGESTION IF SOMEONE IS TAMPERING WITH THIS TRACKING SYSTEM IT IS ALL INTERNALLY. 

AS FAR AS XXXX XXXX IS CONCERN SAVE YOUR MONEY., STOP SENDING THIS CRAZINESS. YOU KNOW WHAT YOUR BANBK IS GUILTY OF XXXX AND MORE FRAUD. THIS BACK TO BACK ACTIVITY SCREAMS GUILTY. WHAT IDIOTS! 


YOU SHOULD HAVE INVESTIGATED THIS ISSUE FIRST REPORTED BUT, YOU FOLLOWED DIRECTIVES FROM THE RETAINED ATTIORNEY XXXX XXXX XXXX AND PREPARED A FRAUDLUENT PAYMENT LEDGER TRYING TO MAKE IT APPEAR WE PAID XXXX XXXX FOR MORGTAGE PAYMENTS NOTE. WE NEVER HAD AN INITIAL MORTGAGE! 


JUST STOP!

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 2022-07-01
Company: Experian Information Solutions Inc.
State: AZ
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, 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 explanation
Consumer complaint received 2022-07-01
Company: SYNCHRONY FINANCIAL
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Lender Executor, Administrator, holder in due course, for any and all derivatives, thereof for the surname given XXXX XXXX, XXXX XXXX and have been appointed and accepted the executor, both in public and in private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX, XXXX XXXX and autographed as an agent, attorney in fact, so be it ; I decided to applied for the TJX rewards master card in good faith and was denied. This corporation is out of line, as the original creditor I, the natural person, am the only original creditor, and the only one with power to created and discharge debts, this company denied me my right of credit Under the FDCPA this is a violation that carries civil liabilities of any and all actual damages. I am well aware of the United States Code ( which are federal regulations that must be followed by all corporations. Also I have provided a reference to the Code of Federal Regulations, which the person d/b/a SYNCHRONY BANK is in violation of. 
here is an enumerated list of codes they are in violation of : 15 U.S. Code 1681k ( 1 ) // 5 CFR 752 - adverse action 15 U.S. Code 1692 a ( 4 ) // original creditor 12 U.S. Code 83 ( b ) // banks can not lend their own stock 12 U.S Code 1431 // a banks job is not to extend credit 12 CFR 1026 // truth in lending, Regulation Z 15 U. S. Code 1692k ( a ) ( 1 ) - civil liabilities. 

application number for said denial is : XXXX This company has injured my reputation ( my consumer report ) and has tarnished my good name. Has deceived and misrepresented my name and has had a hand in the perpetuating the fraud and deceit that exist in the sovereign land of The United States of America. All of these actions carry civil liabilities for any and all actual damages. 
this is also and " unlawful contract '' since a lawful contract involves factors such as : Full discourse, equal consideration, lawful terms and conditions, wet ink signature of both parties. since there is no statue of limitations on fraud, and this company has not provided nor has a remedy in mind to offer me I will list the expected remedy that I seek. 

these are just some of the federal regulations this company has violated, when the letter In the Mail arrives I will be sending this company an affidavit of truth with an invoice and these papers will be notarized should you choose to challenge my demands. I will be expecting some form of rebuttal or to be heavily compensated by 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 2022-09-22
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}

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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00}

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 explanation
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The comenity website is down. I am unable to log into my account or get the easypay option to pull up my account. There is no way to speak to a live person. The phone number plays a recording and hangs up. No payment option provided by this company is working. They have no way to even be contacted. Please assist me with a payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, my loan was evaluated for mortgage assistance by Freedom Mortgage, as my Covid-19 Forbearance Period was due to expire on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Freedom Mortgage dated XX/XX/XXXX, stating that I was approved for the Covid-19 Owner-Occupant Loan Modification ( FHA Standalone Loan Modification ). I called Freedom Mortgage on XX/XX/XXXX to confirm receipt of the approval letter and to make sure I understood the terms of the offer. The agent confirmed my new terms as outlined in the approval letter received ( attached ) : new monthly payment of {$1100.00} with a fixed interest rate of 2.125 %. Under the new terms, my first payment of {$1100.00} was due on XX/XX/XXXX. I was told that I would receive the loan modification paperwork by mail that I would need to review, sign, and have notarized before returning to Freedom Mortgage, this paperwork was never received for my review. After ensuring that I understood the terms discussed with the agent, I signed and dated the approval letter on XX/XX/XXXX and sent to Freedom Mortgage via email. I was also notified of receipt of the signed approval letter by an agent. 

As of XX/XX/XXXX, I have not received the loan modification paperwork under the terms outlined in my approval letter dated XX/XX/XXXX and my account is still showing a delinquent balance. I have been making the payments of {$1100.00} as reflected in my original approval letter. For the past XXXX  months, I have been diligent in my follow-up to ensure that my loan modification paperwork be mailed to me so that I can send it back for processing and my account brought to a current status. I have spoken to several agents who have been inconsistent in action and communication. I have also made numerous requests to have a supervisor call me so that this matter can be escalated and resolved. To date, I have not received a follow up phone call from a supervisor. 

I received a letter dated XX/XX/XXXX stating that I must cure the default on my loan in the amount of {$17000.00} by XX/XX/XXXX. My latest communication was sent to Ms. XXXX XXXX, an Escalation Specialist on XX/XX/XXXX via email. I have requested that she call me to provide an update on the status of my loan modification and my concern over the cure letter I received to cure the default on my 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 2022-01-04
Company: INTERCONTINENTAL CAPITAL GROUP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like to file a complaint against Intercontinental Capital Group for misleading refinance solicitations. I received the attached letter from the company. While a consumer wouldn't know it from the letter, all it is is a roundabout way to try to get me to refinance my home loan. 

There are no XXXX  enhancements that I could benefit from. No where in the letter is the word refinance mentioned and that is all they are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXX account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my Experian credit report. This is identity theft and does not belong to me.

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 2022-07-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 at XXXX, an employee at Marshall 's asked if I wanted to sign up for their " rewards program '' saying that I would get a 10 % discount on today 's purchase and 5 % cash back every time I make a purchase at XXXX XXXX XXXX XXXX XXXX XXXX. She did not disclose that I was signing up for a credit card or that a credit check would be disclosed. I only found out about the hard inquiry after receiving an email that they viewed my credit report. I am now filing a dispute as she was intentionally misleading me into applying for their rewards card, when in reality it was a credit card. I have contacted Synchrony Financial and they said that they will be sending me a letter asking for further steps if I wish to continue with the application and to disregard the mail if I wish to cancel the application.

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 2022-06-08
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter on XX/XX/22 in which they demanded payment. I responded with a certified letter on XX/XX/22 requesting validation. They have not responded for 2 months but continue to report this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 

XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTION : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EMPLOYER : XXXX  XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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