BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TN
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 Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX falsely reporting to Experian and 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 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : 15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely 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 2023-11-27
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mortgage Lender : LoanCare I have been attempting to pay my XX/XX/2023 mortgage since XX/XX/2023... six freaking days. 

I can not access their website, app, or customer service to make a payment. I absolutely refuse to send this company a physical check. This is not just me... there are many out there experiencing the same problem. 

You simply can not get ahold of anybody at this company. When you call customer service it automatically hangs up on you. There is zero communication indicating if something is wrong... nothing via physical mail or email. Not any kind of automated message when you call other than the sound them hanging up. 

This is outrageous and completely unprofessional! How exactly am I supposed to pay my mortgage? What exactly is going on? Why can we not access anything to make payments or talk to anybody? Its like this company has completely fell off the face of the earth. I will be filing a lawsuit If I end up with late fees and a credit hit because of this XXXX company 's inadequacies. We should have the option, with out having to refinance, to leave this XXXX company and go to another lender that is at least competent at running their business. Nobody has ever asked for LoanCare to service our mortgages... trust me! 

THIS IS NOT OK

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 2023-08-08
Company: Experian Information Solutions Inc.
State: VA
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:
There is unrecognized XXXX XXXX account with balance amount was shown in my credit reports while I never have that kind account and never use any of cell phone service with XXXX. I called XXXX and was advised that is not their account number, and the address registered from that account is not mine as well. I call credit reporting companies to dispute and remove this account from my credit report immediately.

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 2023-08-08
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:
I have been a victim of identity theft and I have notified experian and they have been negligent and not removed the accounts that I notified them are fraud. According to 15 US CODE 1681C-2 information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency, shall block the reporting of any information in the file of a consumer. I sent in a FTC report via certified mail and it was received on XX/XX/23 and it was neither blocked or removed. When I contacted Experian they said they cant block or remove it because of some internal rules that they wont disclose.

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 2023-03-22
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1995 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, 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 2023-03-24
Company: Spring Oaks Capital, LLC
State: GA
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  Account Spring Oaks Capital LLC has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: AL
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.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX OF XXXX, SOMEONE OPENED A XXXX ACCOUNT IN MY NAME XXXX XXXX XXXX AND MY WIFE 'S NAME, XXXX XXXX XXXX PRIOR TO XX/XX/XXXX, I HAD A FRUAD ALERT ON MY EXPERIAN CREDIT FILE TO BE CONTACTED AT XXXX BEFORE ALLOWING ANYONE TO OPEN CREDIT ACCOUNTS IN MY NAME AND I WAS NEVER CONTACTED ABOUT THIS XXXX  ACCOUNT WITH XXXX. I HAVE A FRUAD ALERT ON MY CREDIT FILE DUE TO OUR WALLETS BEING STOLEN IN XXXX WHICH CONTAINED PERSONAL ITEMS SUCH AS DRIVERS LICENSE, MILITARY I.D., ANS SOCIAL SECURITY CARDS. 
I NOTICED A NEW MORTAGE ACCOUNT WITH XXXX XXXX XXXX  WITH A BALANCE OF XXXX WHICH I DISPUTED WITH EXPERIAN IN XXXX OF XXXX. 
IN XX/XX/XXXX, I FILED AN I.D . THEFT/ FRUAD REPORT WITH THE XXXX POLICE DEPARTMENT AND ALSO, I FILED A REPORT WITH THE FTC . 
I HAVE DISPUTED THE ACCOUNT SEVERAL OF TIMES BECAUSE I DID NOT SEEK TO OPEN A XXXX/XXXX  WITH 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 2023-09-21
Company: American Heritage Lending, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
In XXXX using my corporation XXXX XXXX, XXXX. I purchased a property with funds from hard money lender company American Heritage Lending LLC based in California. The property needed restoring work and didn't qualify for a normal loan. I purchased it with my corporation. The lender requested {$46000.00} in funds for repair and placed them under their control. In our contract, these funds should be accessible on stages and during the property 's remodeling. After the loan was established, another company took control over the funds XXXX XXXX XXXX. Both companies involved in the process never ever gave me access to my fund and always were transfering my calls back and forth. During the last three month I asked for a pay off amount on the loan. Now I am on the title of the property and want to refinance on my name. I want to refinance with a regular loan. XXXX XXXX XXXX is sending me a pay of balance of {$230000.00} - $ XXXX $ XXXX {$180000.00} During the loan term I was paying interest of 11 % on the entire amount of {$230000.00}. I wasn't able to access my {$46000.00} and now I also can't. 
I need my rehab hold back in advance or the latest at the time of closing where I will repay the loan amount of {$230000.00} back. 
I can't access the American Heritage Lending LLC company. There always is someone who gives promises to let their superior to know and return my call, but it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Elevate Recoveries, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NY
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 ACCT # XXXX has violated my rig

hts. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an 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 2024-01-23
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Barclay hard credit inquiry not authorized by my spouse or myself.

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 2023-11-20
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed and had unauthorized transactions sent to another user, I reported these transactions while they were in pending status and one of them was canceled as my bank even told me so and I have proof of that statement, I was then denied my dispute by cash app and afterwards the transactions were processed and re submitted which also shows in my statements. these transactions took place XXXXXXXX  as well as XXXXXXXX  totaling {$370.00}. I was told that I could request documentation however I am being ignored by support when contacting them after being initially told my dispute was denied. I also immediately asked them to cancel the transactions as they were still pending and I was being ignored and finally told by one agent that they were not pending, after providing proof that they were in fact pending I was then ignored again by multiple agents, and still never received documentation of why my dispute was denied so quickly. In the screenshot attached you can clearly see its marked as pending and you can see a clear indication of a section that says " Completed '' which these transactions were not. You can also see an agent from my bank tell me the transaction was cancelled before settling. Initially when I reported the transactions as fraud I was told by cash app that the transactions were cancelled only to be charged anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A firm by the name of XXXX XXXX XXXX contacted me about 3 months ago about a debt. Gave me a case number said I was getting sued if I didnt pay the amount owed over the phone. I told them to send me a debt verification letter in the mail, never received one. They quit calling until Monday XX/XX/XXXX. They have called the last 4 days beginning aXXXX XXXX XXXX from different numbers. Told the guy today that I needed a verification letter sent out, he says he is recording everything I am saying to play in open court. He says that the company retained them however when I contacted the original creditor they say the debt was bought by someone else. He says they have sent me 3 or more letters in the mail however they have not. He then told me he was going to put me on hold while I figured out how I was going to pay my debt over the phone. He left me a voicemail saying letters had been mailed out but on the voicemail the address he left on the voicemail was not correct. I tried to explain that to him and he argued with me and then told me the correct address but said that I told him I moved. He left me a voicemail telling me not to call their office back anymore and good luck with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I requested the routing number and the account number of my business Venmo account. The only available support method to make this request was Venmo chat within their mobile application. I chatted with a XXXX XXXX She cited company policy and stated the direct deposit was not available, refusing to provide me with my routing number and account number. As I understand it, I am entitled to know my routing number and account number. As I understand it, Venmo, and PayPal, its parent company, our essentially new interfaces for traditional bank accounts. I refusing to provide me with my routing number, and account number, Venmo forces, anyone wanting to pay my business to use their Venmo Processing service and charge a processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Wilber and Associates, P.C.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by Wilber Group regarding a vehicle accident that occurred in XXXX. The person involved in the accident ( not me ) did not have permission to drive my vehicle. I had originally stored the vehicle with family in XXXX. The individual that involved in the accident took the vehicle without my permission and drove it to XXXX  where they wrecked it and caused property damage. 

Wilber Group has made repeated calls to me, threatening to forward information to my state and have my license suspended. After speaking with them several times and explaining I am not responsible for damage caused by someone that took my vehicle without permission, I still continue to receive phone calls from them. 

The last representative that called me said I was compelled by state and federal law to pay for the damages. After consulting a lawyer, Ive determined this is just a tactic used by them to try to get me to pay a debt Im not responsible for. The representative couldnt even tell me what law he was referring to. He also claimed my license would be suspended if I ignored their requests.

Company response to consumer: Closed with explanation