BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MI
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:
I contacted XXXX by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. Experian received the update for the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Experian notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although XXXX has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), XXXXXXXX XXXX  own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the twenty-seventh ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the 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 explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
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:
I have received a copy of my credit report from XXXX that currently still show inaccurate information and incomplete information listed on my credit report. I have sent 3 request to XXXX for an investigation of the alleged public record listed of bankruptcy. I have received a incomplete and unverified information back from XXXX states that alleged public record verified per data furnisher. XXXX have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I opened a loan with XXXX XXXX in 2017. XXXX recently stopped processing payments for military members so another company called SST ( Systems Services and Technology ) handles the loan. I had to wait about 60 days to receive the new account information and I was charged a late fee even though I didnt have the information for the account and when I was finally able to login after getting the new account information I saw that that the loan balance was higher than the original loan amount. I recent made a request to XXXX  to delete XXXX XXXX  from my credit report as they were reporting no payment although my bank statements show the withdrawal from my account. SST has yet to update my account to reflect the correct amount as I have sent them my bank statements as well. I would like to report them as fraud and close this account as paid in full due to neither company able to provide me correct information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MO
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Type : XXXX XXXX XXXX Status : Discharged Date Filed/Reported:XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} 15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency XXXX 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 XXXX years. 

XXXX USC XXXX ( a ) ( XXXX ) 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 2019-10-15
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. 

The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a few accounts that need to be deleted from my report that aren't mine.

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 2019-07-11
Company: EMBRACE HOME LOANS
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As per complaint #, XXXX was closed because the company agreed to pay me monetary relief of {$510.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the {$510.00} monetary relief as promised. Please reopen the case against them. Please see the initial complaint below. 


YOUR COMPLAINT Contacted Embrace to refinance my mortgage in XX/XX/XXXX, I paid for the appraisal and it was ordered by embrace and conducted early XXXX. The process went on for an additional three months. After sending various loan documentation I realized they were stalling, treating me unfairly and discriminating. I provided everything they asked for in a timely manner. After I realized that this re-finance wouldn't get done by them, I requested a refund back for the appraisal and was told It would be refunded back within two business days. After sending several emails inquiring about the status of the refund, I finally received the refund 3 weeks later. I was able to find another company to refinance my loan and was able to use the appraisal that was mailed to me by embrace. Once I submitted it to the new company I was told it was not the complete appraisal. It should be in color and with the SSR. Which should have been supplied to me once paid for and appraisal completed. Via mail or electronic which they held. I contacted embrace and was told that the entire file was sent and it wasn't. First, we were told it would be {$50.00}, that changed to {$510.00}, I originally paid {$460.00} so they withheld the appraisal report and said they would only provide or release it unless I would pay for it again more than the original cost. They refused to take my credit card but stated they would take a check from city worth on my behalf. I paid XXXX {$500.00} and XXXX paid embrace for the complete appraisal. Attached are the correspondence between Embrace, XXXX my current lender and myself verifying these statements. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a business paypal ive had for years, it has over {$2600.00} in it which i cant transfer, withdraw, send to anyone or anything. I can login to my account but cant add any new cards or banks, when asked to verify my number it says its not accepted when its a att account with my name and address that matches the address on my account with paypal. Ive talked to paypal 4 times now on the phone have waited 72 hrs, 24 hrs, 48 hrs and now told to wait another 48 again which will end up the same outcome. I just want my money thats mine. Ive proved identity over the phone 5 times and they say itll be resolved but never has

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2021-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America Closed my account due to fraudulent activity. Its been 3 years since that has happened and ive received no help or guidance as to what im supposed to do now. Ive called XXXX and the bank of america itself in XXXX Florida. Nobody helps i get the run around. The incident occurred XX/XX/2018. Source of information BANK OF AMERICA ; XXXX. XXXX XXXX, XXXX, FL XXXX. Due to fraudulent activity. No balance due was on the report. I know for fact it wasnt me making these transactions I was new to the bank, my first account ever. I need help. I need a bank account i need to start gaining credit. I am XXXX with nothing starting for me, I need this more than anything. If any information on my records are false claims, or unverifiable I would appreciate my background to be cleared so I can have opportunities. Please get back to me Dont leave me empty handed like the rest of the people that tried helping. Thank you.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: GA
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 dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: MORTGAGE INVESTORS GROUP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
apparently, they got my information from XXXX XXXX when I was trying to find interest rates for Tennessee and they keep badgering me despite my asking them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been disputing one account that is on my credit report for XXXX and Equifax and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is in regards to file # XXXX I was in the settlement process and during this process i have been receiving numerous harassment calls by debt collector XXXX XXXX representing Westlake Financial. XXXX XXXX needs to be fired because he keeps Threatening to arrest or legal action. 
I told westlake fiancial to stop calling my phone number and any number in record and to send me letter instead. any communication was to be process via letters postal mail or email. XXXX told me he will show up to my house with police and arrest me. he has violated my consumer rights. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FDCPA Section 809 ( b ), FTC

opinion letter Cass from LeFevre .FDCPA Section 805 ( c ) FDCPA Section 805 ( a ) ( 1 ). FDCPA Section 805 ( a ) ( 3 ). FDCPA Section 805 ( b ), 806, 807, 811 ( a ) ( 2 ). FCRA Section 623. each Fine minimum {$1000.00} per violation as per FDCPA Laws.

the account was removed from my credit report but the title was place on hold. at this point i demand the title loan and phone calls to stop. westlake financial was informed to follow my consumer rights per FDCPA Laws in the state of california. each violation I would also like to request, in writing, that no telephone contact be made by your offices to my home, third party and/or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car was stolen from my proporty and then recovered by the police. They gave me 30 days to reclaim it and santandair bank reposesed the car within the 30 days before i could and tried to make me pay to get it back. Then they sold it off and now they want the full original amount for the loan to be paid by me. Do i need to pay this back if they have the car? I never missed a payment until they took it from me. I come out woth nothing. This seems like a scam. My credit score has never been the same. This was during covid as well this is part of my hardship during covid i just dont see why i should have to pay for a car i dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
we asked to get our paynent differed because of covid 19. unfortunately they were reporting to the baeuru as a late 30 day. I tried so many time to dispute it but always closed doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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