BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Self Financial 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 pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since 2019 Comenity Bank has been attempting to collect alleged debts from me that have already been paid. My account with Comenity Bank ( Victorias Secret ) was approved and opened on XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Comenity Bank. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Comenity Bank has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Comenity Bank being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called and texted my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ) and unlawfully closed down usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ). Comenity Bank has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Comenity Bank by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a zeroed balance. Even though they have received my cease and desist notice they are still persistent with their texts and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX felony charges that have been reversed still appear on record and shown to a prospective emplyer by Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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 602 A section 2 : also states that 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: ALLY FINANCIAL INC.
State: CA
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: Investigation took more than 30 days

Complaint:
i have been patiently waiting for the documents that i requested regarding account XXXX that is reporting to experian inaccurate, but ally bank XXXX federal bank like to violate the fair credit reporting act and the fair credit billing act. I have contacted them by mail on XXXX XXXX 2023 I am yet to hear from them they just blew me off.the documents i geve them show all inaccurate info relation to this inaccurate and unverifiable account.. i need them to provide all bill of sales from all parties involved, all purchase agreements between all banks involved. please help C.F.P.B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022, my husband and I purchased a home in Central Pennsylvania. The home was purchased via a VA loan through XXXX XXXX Bank. Immediately following the purchase, we received our property taxes. The tax documents were immediately sent to the bank for payment from escrow. Not long after the documents were provided to XXXX XXXX Bank, we learned that the loan was sold to PHH Mortgage. This happened before the first mortgage payment was made to XXXX XXXX Bank. 

Upon receiving the new mortgage information, I contacted the bank so that they would have the tax documentation necessary to pay the bill. After speaking with a representative, I emailed the documents to him and received a call back indicating that they were in receipt of the bill and that it would be paid immediately. The date was the end of XXXX- the first week of XX/XX/2022. 

In XX/XX/2022, I received a letter from the County Tax Assessor stating that the property tax payment had not yet been received and needed to be paid by the end of the year. Subsequently, I contacted PHH to inquire why the bill had not been paid when there is an ample amount of money in the escrow account. The response I received was that the tax department would be contacted and the bill would be paid. The bill was not paid. I made a follow-up call to PHH to inquire about the status of the payment. I was told that the complaint was escalated due to the urgency of having to have the payment made by the end of 2022. 

Over the next few weeks, I received a weekly call from PHH stating that they are handling the problem. During the conversations, I asked to speak with someone from the Tax team but was never able to be connected with a person from the tax team. At this point, I have realized that the representative that I've spoken to is only reading from a script and my issue is not being handled. 

I have spoken with the County Tax assessor who has reached out to the bank on my behalf, and by the way, I have given her the authorization to discuss my account. She has also provided PHH with the tax documentation they requested as well as all of her information so that the bill can be paid. 

I neglected to also explain that this bill has also acquired a {$200.00} penalty fee because it was not paid by the end of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
this information filed has harmed me and is infringing upon my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card was closed without notice ; my payments were being submitted through the XXXX system of my primary bank ; even though the payments were received one day late, they were accepted by the creditor, while assessing late fees which doubled the amount paid. The creditor also stated that the late fees placed my account as " high risk '' and closed it without notice, while still collecting monthly payments, late fees and high interest rates. Their actions have damaged my credit scores with all credit reporting bureaus, and other creditors have followed suit in lowering credit lines, or reducing available credit. The creditor refused to reduce the late fees, even though the payments were submitted within a five day grace period, which the creditor does not acknowledge.

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 2022-12-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the XXXX XXXX XXXX  as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX, L Opened 2022-XXXX  {$490.00}

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
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting act XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

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 2023-02-24
Company: EQUIFAX, 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 account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MD
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:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: 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 XXXX XXXXXXXX # 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 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 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On-Line bank MARCUS, division of Goldman Sachs XXXX Deposited {$30000.00} to try a new online bank. Took 7 days for them to make my funds available. On XX/XX/2023 I wanted to close the account and return the funds to my original bank. Next day, XX/XX/2023 they locked me out of my account! Could not log in and got message " Your account is Locked ''. Called XXXX on XX/XX/XXXX - on hold 30 minutes. Rep told me they stopped the transfer and now have to reverse the reversal, whatever that means. I'm still locked out of my account and they have my {$30000.00}. No brick and mortar to go to for help. They are saying possibly 5 working working days to reverse, then another 5 working days to reverse again. What they are saying makes no sense. 

1. When a bank transfers money it is ACH - once they hit the " send '' button it is out of their account and usually within 2 days funds are received by the receiving bank. 

2. They are are in possession and liable for my money while it is in their bank. I can't wait for 2 weeks, the call the toll free number again and try to explain everything. 

3. I'm out of $ XXXX unless you can intervene. Two weeks ago, the XXXX XXXX XXXX did a write up on XXXX and most people were having the same issue, accessing their funds. I need for the Consumer Finance Dept to contact them, as this is happening on a wide scale. It appears they are holding vast deposits with many customers and benefiting my drawing on interest while telling customers the funds are " in transit '' 4. Finally, if you go to their web site, it clearly states " One day transfer for funds under $ XXXX '' - this is misrepresentation and they need to be penalized for this falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: MS
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 have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.

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 2022-12-21
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX. has flagged my social security number for XXXX XXXX on XX/XX/XXXX. This caused my credit to take a hit. They have not tried to call me to notify me of this and I have called and emailed the company but my emails and phone calls haven't been returned to discuss this. I disputed the collection on experience also.

Company response to consumer: Closed with non-monetary relief