BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the follow=? ing charges on my credit report. all correct information for all XXXX credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed theft or incorrect information

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 2022-12-04
Company: Experian Information Solutions Inc.
State: SC
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXX or Transunion credit reports. 

The XXXX XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX - Took a {$240000.00} mortgage with XXXX XXXX to consolidate mortgage, home equity line of credit and other debt. Interest rate 8.775 %. Poor credit caused the rate to be high. Payments {$2200.00} ( principal, interest, real estate and home owners insurance ) XX/XX/XXXX - after XXXX months of consideration process with then mortgage holder Selene Finance, XXXX and streamline modification granted taking the payments of {$2200.00} to {$2600.00} First payment due XX/XX/XXXX The new payment included all of the interest, fees assessed, et al. Contacted Selene to explain the purpose of the modification request was to lower the payments. Could not afford the {$2200.00} how was {$2600.00} or 17 % increase plausible? 

XX/XX/XXXX - enlisted the services of XXXX XXXX XXXX to mediate on my behalf ( {$800.00} monthly fee. The original package supplied a Notice of Demand as to the predatory lending practices of Selene. The demand letter stated ( in part ) " ... have concluded that { we } can successfully plead cause of actions for legal violations under truth-in-lending act is associated Reg Z the consumer fraud protection act, common law fraud, unjust enrichment and the covenant of good faith and fair dealing ... '' in closing Intel order or verdict rescinding the transactions, award of any attorney fees, costs, return of all paid interest and closing costs. Statutory damages ; lawful interest ; compensatory and/or punitive damages ; cost of suit ; any other relief as the Court may deem equitable and just. Separate letter Qualified Written Request under the Federal servicer act. 
Both attempts- with Selene LP and XXXX - needed to submit a Hardship Letter. Both entities were made well aware of my mental health disability.

Was self-employed. ( as an LLC which has been dissolved ) Cleaning service for summer rental was halved in XXXX. Did not work during the COVID summer season and was eligible to receive monthly benefits by means of the CARE Act and XXXX program XX/XX/XXXX - my doctor placed me on temporary disability currently no determinable return ( if at all ) date. 

XX/XX/XXXX - spoke with XXXX as to why I would be getting the affidavit of intent to foreclosure. THEN it was communicated the letter or qualified written request were filed with Selene. No communication in any manner has been made with Selene and there are no attorneys at XXXX XX/XX/XXXX -Served by the Superior Court of New Jersey Chancery Division XXXX Foreclosure complaint The Court needs a reply within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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:
in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX XXXX # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, Capital XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor

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 2022-07-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a XXXX XXXX card on Sunday, XX/XX/2022. The card is issued by Synchrony bank. When I went through the application process, I requested a credit limit of XXXX or XXXX, I honestly dont remember which it was. 

Sadly, synchrony bank did not approve the credit extended but they opened an account with a {$2500.00} credit line. 

I saved the terms and conditions shared during the application process and I have not been able to locate a section that indicates I consent to the opening of an account that has less favorable terms than I applied for. It is my understanding that if an applicant os extended credit terms that are less than requested, Reg B requires notification of that decision and express consent to proceed with the new credit terms. I did not provide either. 

I have called the company numerous times and spent hours asking staff to validate I agreed to the less than requested terms and no one has been able to do that. In fact, staff has openly said the info is not on disclosures and a supervisor named XXXX indicated its Synchrony policy to proceed with application and not provide an adverse notice outlining the counteroffer. I believe based on the information Ive been provided, that Synchrony is engaging in UDAAP - unfair, deceptive, and abusive acts and practices and in violation of Reg B. 

Additionally, I was told to contact the credit reporting agencies to dispute the application which to my understanding is unacceptable as the bank should have a satisfactory compliant/compliance management system. 

My expectation was to have been extended a counter offer, which I wouldve declined ; instead an account number was opened. I was told if the account number would be reported to my credit bureau, I would have to request to close the account, and it would be reported as closed per customer request.

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 2023-08-29
Company: Bread Financial Holdings, Inc.
State: FL
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 the Fair Credit Reporting Act, This Creditor Comenity Capital/Sephora has violated my rights. 
15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 1681 : Section 6 04 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received a email and a mailer from TJMAXX for promotion to receive XXXX points when you make {$100.00} or more in total purchases outside family of stores using XXXX XXXX XXXX. Promotion dates were now to XX/XX/2022. This card and mailer indicated " EARN REWARDS ON ALL YOUR PURCHASES. On XX/XX/2022, I made XXXX of purchases as required by promotion. Approximately early XX/XX/2022 I engaged in a online Chat to see when the points would be rewarded. The online representative advised that she saw the purchases and that I would receive the corresponding points on ALL purchases but that It would take 1 to 2 billing cycles. XX/XX/2022 I called customer service and inquired once again about the points. After waiting for her review, she too advise that she saw the purchases and could not explain the delay but that the points for all the purchases would happen next billing cycle. XX/XX/2022 I called again to inquire about the points that I still had not received but this time I was told that one purchase did not qualify. I ask the representative to forward a email indicating why that purchase was excluded NOW and what items are excluded during future promotions. He advised that he would send document by postal mail. To date I have not received the mail nor the promotional points.

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 monetary relief
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: OH
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 Account # XXXX, has violated my rights. 
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 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 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-08-19
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a PMI removal request to PHH Mortgage in XXXX and now it is XX/XX/2022 and they have not sent an appraiser to have the value of my home considered. The Homeowners Protection Act says a homeowner can request the PMI removal once the value has fallen below 80 % LTV. In XXXX we provided PHH with a BPO listing 6 homes that had sold within the previous 3 months that would put our loan well below 80 % LTV. All of those home were within 100 sq ft of mine, did not have a pool, and had similar upgrades. PHH has collected and not refunded the {$150.00} we paid for the appraisal process to remove the PMI nor have they cancelled the PMI which is {$71.00} a month. Had interest rates remained where they were a year ago we would have just refinanced to get away from them but the new rate would be over double my current rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: OH
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 Account # XXXX, has violated my rights. 
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