BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
to whom this may concern, 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 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 XXXXXXXX XXXX U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
I requested validation of this account alone with itemized payment dates. 
My last communication was on XX/XX/2021. 
Until now I have not received any proper investigation report .Neither I was informed about such actions.As required by FCRA Duty to Provide Accurate Information : FCRA 623 ( a ), this account must be deleted from my report and blocked from the further appearance .Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was never advised that XXXX bought out my security co XXXXXXXX XXXX in XX/XX/XXXX. I was never contacted by XXXX or received any XXXX equipment. My payments were coming out of my checking acct. I do not use my security system very often. I was going out of XXXX, XXXX and attempted to set my alarm when I realized my system was not working. I had made payments for XXXX, XXXX & XXXX. I called my bank and had these payments revered. I called XXXX advised them of the situation and ask my acct be closed. They told me I was under contract. When I ask for a copy of the contract, the contract dates had expired. The contract date was signed XX/XX/XXXX for a term of three years expiring XX/XX/XXXX. They have now reported me to Trans Union as missing a payment. Which has effected my credit score severely. They have a collection agency calling and harassing me : XXXX, XXXX XXXX XXXX, The XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX Al XXXX, ( XXXX ) XXXX ext XXXX. Have reported this to Transunion. The response did not give me a resolution and still shows me missing a payment.

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 2020-04-18
Company: Experian Information Solutions 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:
The company continues to report inaccurate information on my credit report.

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 2015-12-30
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened the account a few months ago, added my husband to it as well. We both sent in all required documents as requested. We received no further communication that USAA needed additional documentation through phone, text, email, mail, or their account message system. They closed the account without warning leaving us without access to our money until the paper check arrives in the mail. I dont have any documents to show what happened as they never sent any and the account is gone. I called them for help and they told me their is nothing they can do because the account is already closed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. 
I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc. 

After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.

Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING c/o Resurgent Capital Services has been reporting a collection account on my consumer report which violates my federally protected consumer rights. I have sent the company debt validation letters pursuant to 15 USC 1692g demanding they validate the alleged debt account with information on the original creditor and provide the name and address of the " original creditor '' and show any ledger and any type of " delegation of authority '' to confirm that LVNV FUNDING c/o Resurgent Capital Services is owed a debt from me, the natural person/Consumer pursuant to 15 USC 1602 and they have failed to provide any documentary evidence to show that their claims are true and I owe any alleged debt and to prove that they have right and authority to collect any alleged debt from me. LVNV FUNDING c/o Resurgent Capital Services is reporting this information on my consumer report creating an adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) and has caused damaged my reputation and caused financial loss and the loss of my security clearance and are civilly liable pursuant to 15 USC 1640 and criminally liable pursuant to 15 USC 1611. LVNV FUNDING c/o Resurgent Capital Services refused to show me any proof of where this transaction originated and how I ended up owing them any alleged debt and failed to prove how they ended up with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!

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 2021-07-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: First Technology Federal Credit Union
State: ID
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:
Greetings, I am filing this complaint to dispute an inquiry that a credit union incorrectly made on XX/XX/XXXX. 

In XXXX, I applied for a credit card with First Tech Federal Credit Union. First Tech approved my request and sent me a new credit card, which I have been using ever since. The credit union then erroneously made a second inquiry into my credit report on XX/XX/XXXX. Today I received a letter saying that, after making the second inquiry, they rejected my alleged request for a loan. 

I never filed for a loan from First Tech ( or any other entity ) and did not request a second credit card or any other line of credit from First Tech. I only made the initial request for the approved credit card.

I called First Tech to dispute the second inquiry, but a representative told me they have no way of removing it from my credit report -- which is not true, from what I know. The rep also said they treat the terms " credit card '' and " loan '' synonymously, and he hung up on me. 

I am seeking help removing the second inquiry from my report as it has adversely affected my credit score. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
santander consumer usa, and XXXX keep reporting charged off accounts on my credit file for XXXX as past due with recent past due payments and santander is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from XXXX  i know this violates the fcra and i need those companies to remove those accounts from my XXXX credit file. this is illegal and it is preventing me from getting a new home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Aqua Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation