BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$7100.00} CITI XXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity All rewards calls me 4+ times a day to collect on a late fee. The calls are non-stop and can occur within 20 minutes of each other. They also call on Sunday mornings. I told them I placed a check in the mail but they still call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never applied nor opened an account with Regions Bank. This is NOT an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. 

Attached : Proof of Fraud Reports Proof of Police Reports Self Identification

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/22 complaint # XXXX. 
Complaint on XXXX companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX XXXX - {$710.00} B ) XXXXXXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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.XXXX XXXX XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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.

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 2022-07-29
Company: Frost-Arnett Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is a contracted group for XXXX XXXX XXXX XXXX. I obtained their XXXX XXXX due to a left shoulder operation in XX/XX/2022. They sent me a bill which I was in monthly communication with XXXX billing and advised them to correct the payment amount because they did not apply the XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX. All vendors of XXXX XXXX XXXX XXXX must abide by this discount program to reduce costs for patients requesting financial assistance. In XXXX and XX/XX/2022, I supplied XXXX with copies of the XXXX XXXX XXXXXXXX XXXX via email and XXXX XXXX XXXX. I requested that they adjust the payment so that I can pay the correct amount. On XX/XX/2022 I recieved a letter from Frost Arnett Company who was hired to collect the debt. As a result, I contacted XXXX and spoke with XXXX ( XXXX ) and advised her that I have been in full cooperation and willing to pay but the amount was incorrect due to the missing discount. XXXX researched and confirmed the errors and that I was not given appropraite notifcation or time to pay the corrected amount with appropriate discounts after the adjustment. As a result, she left a telephone message for me on XX/XX/2022 that the balance was taken care of and the balance was now XXXX due to their current errors and past errors. This was confirmed again in a later conversation with XXXX. On XX/XX/2022 I spoke with XXXX representatives from Frost Arnett, a debt collector. I advised the representatives that there was an error and that I dispute the collection as per their letter. Their letter indicates that I can dispute verbally or in writing before XX/XX/2022. The representatives ignored my request for dispute. They attempted to collect the debt. I referred them back to XXXX to verify the error. I also advised them that I feel that they are violating my Fair Debt Collection Rights. They both indicated that they had no obligation to contact XXXX and that they had a debt to collect. They also requested proof of the financial assistance letter. I again directed them to XXXX who has all of the documents and determined the balance to be XXXX. After their refusal to cooperate, I was then directed to their website or send proof of financial assistance to their XXXX XXXX XXXX I feel that this is a violation of my rights under the Fair Debt Collections Practices Act. The debt was given a XXXX balance. I was in full cooperation with XXXX through the whole process. Frost Arnett demanded information and debt that was not owed to them. They refused to acknowledge the dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: WI
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:
After speaking with Equifax and addressing my issue that I have a collection from XXXX XXXX that started reporting on XX/XX/22. I have spoke to them via phone to inform Equifax I wanted this removed on the grounds that its a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. Also informed Equifax that they were also in violation of 15 usc 1604 which states that Equifax needs my written instruction to furnish anything on my consumer report. 
Most importantly Equifax has also violated their own data sharing policy which states as well that Equifax needs the consumers written instruction to furnish items on the consumers report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EGL US, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company is calling and texting multiple times in a matter of XXXX minutes. After they call 4 or 5 times they send about 3 to 4 text messages back to back. It's starting to feel like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am receiving 18 months of mortgage payments from Homeowners Assistance Fund. Ive called several times about this months mortgage which PennyMac has not applied. I had to call numerous amount of times last month for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: MT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-02-27
Company: Screening Reports Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Hard Inquiries that on my Credit Report that I don't recognize

Company response to consumer: Untimely response
Consumer complaint received 2022-07-29
Company: Uprova Credit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A Uprova representative contacted my workplace by phone call multiple times on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022 ; and identified the debt collector as Uprova. The phone number used to contact my workplace on each occasion was XXXX ( XXXX ) XXXX. My workplace has various phone numbers, and this representative has called each one. I understand that these calls are meant to intimidate and harass me. Furthermore, I have already informed Uprova that my employer does not allow these types of calls at work and I am at risk of losing my job. Additionally, I sent a Revocation of Authority to Contact Third Parties on XX/XX/2022. I can confirm that Uprova has received this letter.

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 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one XXXX card opened fraudulently in my name I have made a police report as well as ftc report and sent the company back their own notorized affidavit form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased XXXX bedroom set from Room to Go on XX/XX/XXXX a total of {$3200.00}. This purchase was from the promotion, that was " no full payment, interest for 60 months. '' I paid deposit on XX/XX/XXXX and XX/XX/XXXX a total of {$500.00}. 

The furniture was delivered by XX/XX/XXXX. There was no other furniture and nothing absolutely purchased from Room to Go after this day of XX/XX/XXXX. AND I DO NOT HAVE ANY OTHER CARD FROM ROOM TO GO WITH SYNCHRONY BANK. 

I received my first bill on XX/XX/XXXX. I reviewed and found several errors, and had transaction of " WARRANTY PURCHASED ''. I have never purchased WARRANRTY OF ANY FURNITURE. 
I called immediately to the Synchrony Bank and asked them to make corrections. They told me " yes we will do and send you updated statement next month ''. XXXX month statement had no changes. It is since every month I am calling them and spending hours on the phone for correction. But they did not make any changes. 
The Synchrony Bank have been calling every day from different phone numbers, any time during the day and night, morning and sending emails of reminder of missed payment. 

FURHTER TO THIS MESS MADE BY SYNCHRONY BANK, THEY HAVE REPORTED FALLSFULLY TO THE CREDIT BUREUE AND REDUCED MY CREDIT RATING TO XXXX POINTS BRINGING DOWN TO XXXX POINTS. 
THE ACT OF THIS SYNCHORINY BANK IS ABUSIVE, FORCED CHARGES, IMPACTING MY CREDIT, MAKING HARRASING CALLS ANYTIME ON MY PHONE, MUST BE ACTIONED BY THE PROTECTION BUREAUE IMMEDIATELY. 

I AM ATTACHECHING WITH THIS COMPLAINT SOME DOCUMENTS. I HAVE THE STATMENTS FROM SYNCHRONY BANK AS WELL, MARKED WITH THE ERRORS THEY MADE.

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 2022-07-29
Company: Bay Area Receivables, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the third party to validate the debt for a few months now and have gotten nowhere. When I spoke to them on the phone, they acknowledged the debt doesn't belong to me but a family member who they stated was my adult child. I was informed they used " XXXX XXXX XXXX' to track my personal information and add to my credit report. I never received a copy of any bill nor any notice regarding the debt. What happened to my right to privacy, which I feel is being violated? Me nor my adult child have never been to any medical facility in Maryland PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX and TransUnion credit bureaus to validate this account ( A ). 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. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

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 2022-12-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I used a Care Credit card issued by synchrony Bank 2 years ago to finance XXXX work. This month after paying the balance down to {$1800.00} they attached deferred interest for the original loan of {$4800.00}. I never agreed to this nor was I ever informed that this would occur. When I spoke with a person at the company they told me that no matter if I agreed to or was ever informed about this action they told me that didn't matter that I was liable anyway. I am XXXX XXXX XXXX and on XXXX XXXX  and this is a huge hardship for me. I wouldn't mind if it was just on the remaining balance but they are trying to charge me for the entire loan amount. Please help 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 2022-12-06
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, XXXX and equifax show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX- not authorized Inquiry : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one  time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like XXXX XXXX XXXX XXXX that had no business running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR BANK OF AMERICA ; I have disputed this item with the XXXX XXXX XXXX and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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