BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was approved for a store card that was distributed through Comenity bank. I was notified in the store that the physical card would be mailed in 7-10 days. However, it has been 2 months and I have not received any mail regarding my balance or the card. I made a phone call to their customer service and they have charged me late fees for a card I did n't have nor received any information about. They have also started to make collection calls even though I just closed the account about 20 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX 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

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 2015-07-09
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Paypal Holdings, Inc
State: NM
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: DE
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 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 2022-06-15
Company: EQUIFAX, 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:
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 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 2020-10-31
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/EQUIFAX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX  I received an email from Equifax stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or Equifax to verify their false claim. Equifax is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to Equifax with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Phelan Hallinan Diamond & Jones, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and XXXX claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from XXXX XXXX which was terminated in XX/XX/2008. see enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Ive noticed unauthorized accounts on my credit reports

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-11
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I applied for Chase Freedom Unlimited Credit card. For the first time, chase hard pull my credit reports which are XXXX and XXXX   and I got reject. So I called Chase customer service to reconsider my application the next day. The second time, I got approve but Chase hard pull my credit report which is XXXX again without my permission. I can understand if Chase checks my credit report for the first time because when I applied for a Chase credit card on the Chase website I agree Chase 's agreement which means I permit Chase to check my credit report. But when I called Chase customer service to reconsider my application on the next day, Chase didn't ask my permission but checked my credit report. Even if this is the same credit card application but chase already checked my credit card one time and the second time they didn't ask my permission but check my credit report. I should have the right to know if Chase checks my credit report. When I called Chase customer service to reconsider my application they didn't ask me they are going to check my credit report for the reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband died on  XX/XX/XXXX . As soon as my husband past away the government ceased his military pay. I could no longer continue to pay on this account. I only had enough money to pay my house and utilities. I was diagnosed with   XXXX   XXXX   in  XXXX , and I was still grieving the loss of my husband. I had been   XXXX   free for 10 years, but when I my husband died the   XXXX   came back due to grief. And it was more grief when I no longer could pay on my credit card account. I am on a fixed income and i still ca n't pay it. Collection agencies will cease collection efforts if the person can explain their financial hardship. Well with the government taking away my husband military pay has caused me a severe hardship. My credit should n't be ruined because of my husbands death which has put me in a tight spot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year in the middle of XXXX my mortgage was sold to BSI Financial Services. At that time I was under a XXXX XXXX. In XX/XX/XXXX, the plan was extended for an additional 6 months. I was told at the time of the extension that I would need to apply for a home modification in XX/XX/XXXX, because it can be a lengthy process and in order to ensure that the loan did not show negatively on my credit report if I was unable to pay all of the rescheduled payments. Unfortunately for me, that was the last successful conversation that I have experienced regarding my Mortgage Loan. I started calling XX/XX/XXXX to initiate the start of my Home Modification paperwork ( Repayment Plan ). I left several messages between that time and XX/XX/XXXX on the voicemail of XXXX XXXX. This is unusual, because XXXX XXXX always seemed to return my calls in a descent amount of time, if not the same day. Eventually, I started to call in XXXX and requested to speak with someone else, because I was repeatedly told that XXXX XXXX was not available. I would get transferred every time to a different area or another number for the Loss Mitigation department. I have called nearly every week and sometimes a few times in those weeks. I continued to receive communication by mail stating that I was behind on my payments and that a payment would be due soon. I made my first payment in XXXX even without communication from the Loss and Mitigation department. As of today, XX/XX/XXXX that check has still not been cashed. For my XXXX payment I made a payment over the phone and it has been taken out of my account. Most recently, I received a letter in the mail stating that if I do not make the full payment in XX/XX/XXXX that my house would go into Foreclosure. I still have not spoken to anyone. About XXXX weeks ago, I spoke to XXXX XXXX. He stated that the person that was listed as my new contact person was unavailable and that he would email me and mail me a copy of the home modification application. The email that was sent did not work. The " Click Here '' link was a deadline link and would not allow me to move forward. Last week I received to copies of the application in the mail, along with the letter regarding a possible foreclosure. Since then, I have mailed the completed paperwork and necessary documentation for the process on yesterday, XX/XX/XXXX with a request to deliver with a signature and return receipt. This company has not been helpful nor easy to work with. I am not trying to lose my home or avoid payment. However, it is hard to continue a healthy relationship with a company who does not communicate with you or assist you with doing so. My mortgage has been sold several times since my initial purchase nearly 5 years ago, but this is by far the worse experience of all of those sales, Please help me with getting to a healthy resolution for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Erroneous Foreclosed- ( FCL ) XX/XX/XXXX -Later Rescinded FCL- Modification accepted under duress for 1st & 2nd XX/XX/XXXX.Current on 1st but never recovered. 2nd ( HELOC ) is invalid debt ( wiped out with 1st Foreclosure ) -Extensive dispute over years not resolved- XXXX attempted to Foreclosed on HELOC again XX/XX/XXXX by recycling invalid Notice of Default on invalid Debt. Disputed once again. Not Resolved. XX/XX/XXXX XXXX sold Loan Servicing Released to Select Portfolio Serviceing ( SPS ) - ( Investor XXXX XXXX. SPS has filed an Erroneous Notice of Trustee Sale for XX/XX/XXXX. XXXX XXXX XXXX Kicked the can down the road but never resolved original dispute. SPS is attempting to sale home under a Trustee foreclosure sale but I feel is violating CA foreclosure laws and does not have a valid debt and /or has not gone though proper steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XX/XX/XXXX and XX/XX/XXXX. That is hurting my credit score the department of education from Navient stated they were going to remove the late payment history to show as current and they still have not done anything.

Company response to consumer: Closed with explanation