BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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 Convergent these accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX has all 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 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 2022-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I started working with the Citizens Bank , NA sometime in Late XXXX, XXXX  or Early XX/XX/2022 for my new single family Construction loan. That time, the bank asked me about all documents which I submitted in time. The Bank representative sent me an email on XX/XX/2022 stating the Loan has been approved and sent to processing department. At that time the loan was finalized for $ XXXX at 4.125 % interest for 30 years loan. Not sure what happened behind the door, and the Bank representative didn't submit all the documents I provided to them in their system. After a month I found out that the Loan officer working on my loan is leaving the Citizens bank and new person is taking over. The new team at the Bank informed me that there are bunch of documents missing on my loan ( which I already submitted to the bank ) - I argued with them how come the loan was approved if the bank was missing my documents. Anyhow, I resubmitted those documents asked and every time they ask for piecemeal information I have been submitting those within 1 business day. Just last week, the Loan officer email me that he was able to get me 4 % interest rate if I do loan for XXXX XXXX XXXX with no points. I agreed to him same day. Now today, I found out the loan officer left the Company and the representative mentioned, they need my bank statements and all again since the report date from my earlier submitted documents have been expired. Also she mentioned the Rare may also change. This has been frustrating and mental trauma with the bank. It is not Customer 's problem if Bank losses team members and they don't do their work correctly. The person working on loan has no sense of ownership or customer service sense. If I would have spent my time and money with some other bank knowing Citizens Bank is not doing their basic task, I would have saved my time and mental health. I spent money on Appraisal report for which I paid {$710.00} out of my pocket as needed by the Bank- which I would like to get refund from the bank as due to Bank 's inefficiency If I will have to take new bank it will be waste of money.

In short, I would like to file complaint about the monetary loss and mental stress provided by Citizens Bank for their inefficiency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquiries listed below were not authorized by me and were observed on my credit report on XX/XX/2019. I am requesting for the hard inquiries to be deleted from my credit file. XXXX and XXXX was also informed and have deleted these unauthorized and fraudulent inquiries. My information was possibly used to try and obtain good. 1 ) XXXX XXXX XXXX XX/XX/2019, 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX9 and XXXX XXXX XXXX- XX/XX/2019.

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 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-10-11
Company: EQUIFAX, INC.
State: MO
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 XXXX  Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States have the rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
For Complaint # XXXX XXXX XXXX American Express XXXX XXXX feedback to the first attachment sent by American Express but when I tried to provide feedback to the second attachment sent by American Express XXXX XXXX the CFPB website XXXX not allow additional feedback which follows. 

In the response from American Express they state if I XXXX XXXX had any of the following American Express cards, see list below by XXXX or American Express I would not be eligible for the promotion. 

In the list below provided in the American Express attachment I have not had any of the credit cards listed. 

Please credit the XXXX XXXX XXXX points to my XXXX account as earned. 

XXXX XXXX Below from American Express XX/XX/XXXX response. 

" welcome offer ( XXXX ) XXXX not be available to applicants who have or have had this Card or previous versions of this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express. We XXXX also consider the number of American Express XXXX they have opened and closed as well as other factors in making a decision on their offer eligibility. The terms and conditions also state that welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXX Rewards Premier Plus Business Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SYNCHRONY FINANCIAL
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:
PayPal credit ending in XXXX. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 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 explanation
Consumer complaint received 2023-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I asked them to send me a break down of the debt owed, original signed contract between me and the credit card provider, any statements of the debt. My requests have been ignored and they ruined my credit. The debt they say I owe is over 15 years old and the judgement finally dropped off of my credit report and then I received a Notice from the Clerks Office of XXXX XXXX XXXX. I don't know if this is legit or if it's a scare tactic and when I looked up the attorney on a XXXX search his picture comes up as both and attorney for Portfolio Recovery AND a XXXX which made it even more suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Professional Debt Mediation, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021 at approximately XXXX XXXX I contacted PDM Collections in XXXX, FL to address a debt that appeared on my credit pertaining to an alleged water bill that was issued for payment 2 months after my move out date on XX/XX/2021. I was never informed and I was never called on the phone by the XXXX XXXX in XXXX. The agent at PDM stated that he would not remove the charge off per the clients instructions purportedly even if I paid. He also began to offer legal advice when I inquired if I needed an injunction to compell the apartments to instruct them to allow removal of the negative information after payment. He also mentioned that landlord/tenant law in Arizona does not allow me to sue the landlord and went as far as to mention the time periods in which my claims would expire. He attempted to intimidate me with his legal information and that is a clear violation of the FDCPA. I pay all my debts and have worked hard to protect my credit rating and these activities have inflicted grievous financial harm to me personally. I pray that you assist me to afford me any available remedies and impose any pertinent penalties against this company as they have numerous complaints against them for these practices and violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need my information from my student loans that were transferred to this new servicer.. They have not contacted me with any information regarding, the borrower debt relief refund on my federal student loans. i have updated many files online to the nelnet to help my case, and information to keep my contact information up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Guild Mortgage Company LLC
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: Account information incorrect

Complaint:
Purchased a home using Guild Mortgage in XX/XX/XXXX. Payments were scheduled to be around $ XXXX for the payment. All payments have been made on time and correctly. In XX/XX/XXXX, payments to Guild Mortgage increased to $ XXXX for which they were on time as well. In looking at my receipts, they are {$600.00} short on the payments applied. Was informed from speaking with a representative at Guild that no negative reporting is showing to be sent to the credit bureaus. After several months, reduced payments back to around $ XXXX until the property was sold in XXXX. Unable to access the bank account that payments were made from as I have changed banks since. 
Examples included show payments being close to the $ XXXX ( Market Fluctuation )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Early Warning Services, LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within 30 calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Caliber Home Loans, Inc.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans failed to make my escrow payment to my County taxes for my Home. I received a letter from XXXX XXXX County telling me my taxes were delinquent. I called my escrow department and they could not give me a answer on why my payment was not made. I went to the court house and made my XXXX tax payment plus the first XXXX months of XXXX because of the non payment of my taxes. I paid XXXX towards the last XXXX months of taxes. I faxed Caliber Home loans my receipt of payment and asked for a refund. That was over 65 days ago. When I call all they can tell me is they will be doing an escrow analysis, this has been going on for 65 days now and no analysis.Management refuses to call me back and caliber refuses to refund me my taxes. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CMRE to dispute this debt in XX/XX/2019. They returned correspondence without proper validation while still reporting this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made XXXX I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.

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 2023-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has violated my federally protected consumer rights. The company have 2 inquiries reporting on my credit file that they said were deleted and they are still there. I will provide the original confirmation number as a document.

15 US Code 6802- states that a financial institution may not directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless financial institution provides or has provided to the consumer a notice that complied with 6803 of this title.

15 USC 1681 Section 602 A states I have a right to privacy.

US Code 1666B states a consumer reporting agency should never consider a credit card payment as late under an open end credit consumer plan for any reason. 

Those accounts reporting late are : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have successfully filed a lawsuit against XXXX and XXXX. Now I will be filing against Equifax if no action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought my XXXX XXXX XXXX from us auto sales! Westlake has now taken over from what I understand. I called Westlake to send me the documents for the transfer. They told me they don't have it. As well as the extra warranty I purchased is no longer good, and they have been shutting off my car even though my payments have been made! I have no proof that my loan is with them. They never called me to let me know the new terms and conditions with this new company!!

Company response to consumer: Closed with explanation