BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a complaint against XXXX XXXX XXXX. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers  should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from 1 through 5 are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie Transunion, XXXX, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : 1. XXXX opened XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX  XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX opened 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 2022-04-25
Company: The CBE Group, Inc.
State: VA
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 XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Approximately 6 days ago, millions of consumers lost access to their Comenity Bank credit card including co-branded cards, myself included. 

1. We are not able to login to the web URL to view account information, pay bills or view transactions. 

2. We are not able to call and speak to someone. We are given a recording that states agents are off and unable to look up account information while a system upgrade is taking place. 

https : //d.comenity.net/ac/comenitycard/public/home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: WELLS FARGO & COMPANY
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:
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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as toe transactions or experiences between the consumer and the person making the report ; 576 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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  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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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 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 2022-04-25
Company: EQUIFAX, INC.
State: LA
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. 

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXX LOUISIANA XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU . ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX 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 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Comenity Sony Credit Card and am traveling almost XXXX miles away from home. After 2 days ( and confirming via text that the transactions are indeed mine from traveling ) my card is getting declined. I went online but the site is undergoing planned maintenance that is running longer than expected and I have no access to my account. I tried calling the customer service line ( XXXX ) and the fraud department and it all says that they can not access accounts and it hangs up on you. I dont know if there is fraud on my account or if the maintenance causes the declines, but Im running out of other funds fast. How do I get help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

- 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
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: PA
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 Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UDC 1681.

15 U.S.C 1681 section 602 A. states I have rights to my 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 contatining any of the following items of information. Any other adversse item infromation, other than records of convcitions or crimes which antedates the report by more than seven years. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Med 1 solution obtain garnishment order without notifying me of a court date. I got a copy from my work after questioning the deduction ( attached below ). This account is paid in full and has been closed and removed from my credit report. I have spoke to them twice and requested debt verification and my address. I have also mailed a letter to them requesting this information. They are currently garnishing my wages for a account that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been calling torrid comenity bank for two weeks now to report a lost card and make a payment and they wont answer the phone. Their automated message hangs up and does not let you speak to anyone. They claim its system maintenance, however their online website is not working or accepting payments. The card is lost and the payment is due on XX/XX/XXXX but they will not accept online payments, will not answer the phone to make a payment and I have no way to access any of my information. I mailed a payment as there are no other means to contact them and the mail has been undeliverable. They should be forced to fix their system or at least answer the phone. I have a feeling they are going to try to nab late fees on people when it is no fault of our own they completely left us abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. The amount was, I believe, {$320.00}. It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days " as a matter of policy. '' I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. A few weeks later, they did send me the refund check and I cashed it. First, they called me and told me that I owed them {$500.00}. Then, today they called me saying that I owed another {$400.00}. I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise. 

Attached is the letter that they sent to my husband, and he has been paying for the car the whole time but they wiggled out of answering the question with an excuse that he was not authorized to hear information. 

They called him on the telephone on XX/XX/XXXX at about XXXX a.m. and did speak to him about the " debt '' owed, but would not talk about any of the service charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: AZ
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:
There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, Equifax and XXXX. XXXX immediately removed the false report, however XXXX and Equifax completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and Equifax but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I informed Citibank Credit Card Services, in writing via U.S. Mail, that my wife had lost her job after having Covid twice, and had not found suitable work yet still, and that I am legally XXXX and unable to pay anything, and do not care if my debt with them is charged off, over and over again, and yet they call many times during each month. and not to call me again.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.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 explanation
Consumer complaint received 2022-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our VA mortgage on our primary residence was owned by XXXXXXXX XXXX. After Covid caused one of us to drop to part-time employment, we used the CARES Act to suspend payments on the mortgage for 12 months. At the end of the 12 months, we completed a partial claim through XXXX XXXX for the full amount due ( {$28000.00} ). This brought the account current. The partial claim was executed XX/XX/22 and recorded XX/XX/22 ; the document was not in our possession during the delay in recording. 

Our mortgage was sold to Carrington some time in XXXX. Carrington claims it never received information about the partial claim from XXXX, and immediately began sending us letters that we were {$28000.00} behind on payments and about to face foreclosure. We called more than a dozen times to explain that the balance had been covered by a partial claim. We also had XXXX re-send the partial claim documents, and we eventually got the partial claim documents and sent them to Carrington ourselves. Most of the people we've spoken to at Carrington are unable to even understand what the issue is. Occasionally we will get someone on the phone who seems to grasp the problem and asks us to send some documents, which we immediately do, but we can never get the same person back on the phone again. Carrington representatives will not give us last names, email addresses, direct dial numbers, or any other way of reliably reaching them, forcing us to start from square one on the general customer service number every time we call. 

We made our first mortgage payment to Carrington on XX/XX/22, and have paid on the first of the month every month since. Carrington 's website and app don't work ( we just get a message that " there is a problem with your account '' ), so we have to call in to request our balance and authorize an electronic payment. We have always paid the full amount that we are told is due. 

Our credit scores ( mine and my husband 's ) recently dropped more than XXXX points, from the 800s to the high 500s, based on reports from Carrington that we are {$29000.00} behind and have multiple missed payments that are more than 120 days late. We have called, emailed, and faxed supporting documentation to show that we have paid on time every month since Carrington bought our mortgage, and that there was not an outstanding balance at the time the mortgage was sold due to the partial claim. We continue to receive no response, and additional late payments continue to be reported to the credit bureaus. Neither of us has ever had a single derogatory mark on our credit.

Documentation of the partial claim, and a printout of our payment history from Carrington, are attached.

Company response to consumer: Closed with explanation