BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.

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 2019-01-04
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2016, I took out a {$13000.00} medical procedures loan with a 24 month 0 % interest rate if paid by direct withdraw on time. 20 months into the loan when I was bale to pay balance early, I was told the loan had an 18 month repay timeline ( my paper work says 24 ) and they had added {$12000.00} interest. 

CareCredit refuses to provide proof of any authorization to change agreed upon term, or provide a detailed ledger accounting of charges attached to my account.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXXXXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX  account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX  account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.

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 2022-09-08
Company: HYUNDAI CAPITAL AMERICA
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:
Since the beginning of this year I have noticed a Charge off appearing on my account under Kia Motors Finance. The thing is I returned this vehicle to XXXX MONTHS AGO when the lease was up. The car was returned and in their possession yet they are somehow reporting that this account is a charge off? I have never been late once on this account and they are now in possession of the car. THIS HAS BEEN AFFECTING MY LIVELIHOOD. Kia 's irresponsibleness has lead to my credit report being damaged for no reason. I have tried disputing this, calling in, but maybe I am doing something wrong. I have now decided to submit a complaint and if not resolved continue this complaint with legal action. Again this vehicle was returned on time and was at XXXX XXXX XXXX as soon as the lease was up on XXXX. Please resolve this as I do not know why this is reporting on my credit as a charge off from XX/XX/XXXX until XX/XX/XXXX. This is wrong.

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 2019-01-03
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold on XX/XX/XXXX and on XX/XX/XXXX a web payment of {$1300.00} was withdrawn from my checking account that I did not authorize. I have had several conversations with customer service representatives who told me that either the money would be forwarded back to my account, or that it would be forwarded to the new servicing company. Neither has happened and when I follow up with each new customer service representative, there seems to be a new story and 'no record ' of Shellpoint 's receipt of the payment. I have also sent several emails to the generic customer service email address. I get an automatically generated email that says they are looking into it, but there is no follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been 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 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Experian to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Experian that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Experian. I also received a copy of my XXXX XXXX credit report showing proof that it doesnt exist and Experian us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 response to consumer: In progress
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one placed its own fraud hold on an attempted purchase of mine online. The first phone call I placed to the Capital One fraud line, I gave all of the information required, verifying purchases, address, phone numbers, etc. I was then asked to give my login ID and password For my Capital One app to the representative. I said no. That in itself sounds fraudulent to me. He said I could go ahead and use the card, when I tried again, it was still declined. I called back. The next representative asked me to send a picture of my Rhode Island state ID to her, I said absolutely not, hung up and called back and got a third representative who told me that Capital One now requires this to unlock a card. I did not call them and report fraud. My card was used 50 times within the last XXXX weeks, its XXXX! if I am not reporting fraud and they are questioning it for some reason? Verifying purchase amounts, places and address and phone numbers should be enough to unlock a card. I have XXXX more and will just be using those from now on, not the point.

Company response to consumer: In progress
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I bought my home in 2016 and when I went to look at report. My mortgage is not even on my credit. I can't get anyone from XXXX XXXX to answer my questions. I have had the loan in good standing for 7 years and it isn't even reporting. Also if I need to apply for any kind of line of credit saying I'm a home owner it looks like I'm lying which is fraud. I need this reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2021-06-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Community Loan Servicing, LLC. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Florida, XXXX, United States. 

XX/XX/2021, I mailed a cashier 's check to Community Loan Servicing, LLC., in the amount of {$4000.00} which was to be applied to the principal portion of my mortgage. In addition, I included a letter stating that the entire check was to applied to the principal only and this was also indicated on the check itself. Community Loan Servicing, LLC., took it on themselves to pay my XXXX and XXXX monthly payments, and {$2100.00} was applied to the principal of the mortgage. I called Community Loan Servicing customer service and the representative reversed the transaction and applied the entire {$4000.00} to my principal. They admitted that they made a mistake, but if I had not stayed on top of this blunder Community Loan Services, LLC. would have got away with misappropriating my cashier 's check money meant to be paid on the principal of my mortgage. Unfortunately, I would have continued to pay more interest on my outstanding balance which would have been a plus for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly created PayPal account. I am reaching out to express my concern and seek a resolution as I believe there may have been a misunderstanding or an error in the evaluation of my account.

I understand that PayPal implements strict security measures to protect its users, and I appreciate the efforts taken to maintain a safe and secure platform. However, as a new user, I have not yet had the opportunity to engage in any transactions or activities that could potentially violate PayPal 's policies. 

I kindly request a thorough review of my account and clarification regarding the reasons for the blockage and limitation. I assure you that I am committed to complying with all of PayPal 's rules and regulations and would like to rectify this situation promptly. 

My registered email address associated with the affected account is XXXX. I kindly request all communication and updates regarding this matter to be directed to this email. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and ensure the security of my account. Please let me know the necessary steps I need to take in order to resolve this issue and restore full access to my PayPal account. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing and resolving this situation. Should you require any further information or have any questions, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: GLA Collection Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an collection notice for an debt sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. I notice the money they said I owe the provider was more than the bill I Originally received. They had the bill for over XXXX and said there was a payment around XXXX approximately and left my remaining balance at XXXX. The bill I recieved from XXXX XXXX XXXX was only XXXX when I subtracted the payment from the amount of their bill I came up with an remaining balance of around XXXX. I did send a copy of the bill to the collection agency along with an letter stating they can not charge me more than what the bill is due to the Fair Debt Act and also showed them where in their own math the bill was not correct and I disputed the charges with them. I wanted to report them because I believe they are charging more than they should like they are trying to collect additional fees, and If they did this to me it is no telling what other people they did this too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Bank of America had an error in its PPP Loan Forgiveness Application for my business ; it had pre-filled the amount to be forgiven with an incorrect number ( {$3300.00} ) but I didnt catch that mistake until after I submitted the application. The full amount was {$10000.00} and indeed my business spent that amount per the terms of the Cares Act. I tried, unsuccessfully, with Bank of America to have them rectify the error but they informed me the forgiveness application could not be changed as it had already been sent to the SBA. I emailed the SBA and spoke with their XXXX office ; they told me to deal with the lender, Bank of America. I have spoken repeatedly with the bank they tell me to deal with the SBA. The bank refuses to defer my ( erroneous ) loan payments while we try and sort it out. 

The SBA may indeed need to be involved to rectify the situation, but Bank of America should exert leniency related to the loan payback in the meantime, especially since it is the entity that made the mistake!

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 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : 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 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 of 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 2023-08-07
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:
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. i have contacted credit bureaus EXPERIAN, XXXX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XX/XX/XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.

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