BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: MD
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 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 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 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 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately 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 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 2019-06-14
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been a customer with XXXX XXXX for more than 7 years. I dont have an active contract with the above company because the service wears continued after completed my last two years contact. I called XXXX XXXX to discontinue the service and was changed an extra charge of {$80.00} which I paid. XXXX XXXX told me to send their equipments after they send me the boxes. I have received the boxes about a week later then paid {$10.00} toward the final bill. I called to get the final bill because the app service was blocked to my username and told it will be mailed. Ive told customer service that I drive a truck and go out of town for weeks sometimes. On the the XXXX of XXXX, I have received a notification from my credit monitor that a negative credit report by Diversfied Consulatants, INC. hits my credit for nonpayment. I found that was a collection agency for XXXX who never ever contacted me by mail nor phone. I called XXXX and spoke to customer service who apologized then made a full payment of {$270.00} on XX/XX/19. On XX/XX/19 Ive received a notice from Diversified Consutants, INC. to referred for collection. The notice was dated on the XXXX of XXXX and my payment was paid on the XXXX of XX/XX/XXXX5 dates before receiving their notice. The company had my last name different than my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted Midland Funding, LLC multiple times, asking for documents regarding the money they are saying i owe them. They keep requesting i pay them without telling who they are or why they are charging me this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: DE
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:
I applied for a mortgage yesterday. My credit score from Equifax dropped over 100 points from yesterday from today, yet nothing negative was added to my report. Coincidentally, I called Equifax to ask about a dispute that was showing on my report. Within 5 minutes my score dropped over 100 points. After being on the phone all day with Equifax they've come to the conclusion their algorithim may be incorrect, yet offered no advice as how to fix this mistake. As a result, I have been denied a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAINE & WEINER COMPANY, INC.
State: NE
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've been asking for applications to show some kind of proof that I apply because I dont remember applying

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: COMMERCE BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX and opened a joint account with my son who has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to help him with his money and bills. I explained to the account rep i would be primary in North Carolina and needed a debit card sent to me ASAP! 
I called for 2 weeks solid and was told the debit card was on its way. It was a lie all along. They never sent it to me they mailed both to the XXXX XXXX my son lived in. Before i could get registered, they refused to help me from NC! My son was extorted and robbed for around XXXX. Once i got help from Manager and got logged in to account, i seen a ton of fraud! I told them it was all fraud and to shut down the card. They never asked about 3 different people XXXX XXXX XXXX XXXX XXXX XXXX! I constantly reported it. My son told them he fidnt authorize snd that they were taking his phone and transferring money. 
They refused to stop the financial abuse and kept the account open until it was completely gone. 
All in all, my son had his money stolen, his wallet and phone, his car stolen that he just bought that day and they murdered him. 
Yes my son was murdered and commerce bank allowed the abuse for weeks!! 
They did not want to refund any but did refund like XXXX because the thugs were still taking money as he was incapacitated. 
I contacted fraud in XXXX XXXX to request help after the branch manager was unable to do much of anything. I also have a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who used his XXXX XXXX multiple times each. As many as 25 times in a week or so. Its on his statements. They were also attempting to take money out if other apps while he was on life support These are nasty animals. They also storle all his clothing, belongings, phone, money, and car Then they killed him. 
Disgusting filth Commerce is at fault for refusing to listen to s mother trying to help her son to keep from being taken advantage of by these filthy animals. 
Im missing XXXX XXXX XXXX XXXX XXXX  and these fools busy kept giving his money put for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was with XXXX XXXX XXXXXXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit 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 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$710.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX  and the

account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXX 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 2023-03-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On or about XX/XX/XXXX, I signed a promissory note with SoFi Lending agreeing to refinance XXXX for a 7-year loan term at a fixed interest rate of 3.506 % consisting of 84 payments beginning XX/XX/XXXX and ending XX/XX/XXXX. According to the promissory note each payment would be in the amount of {$2000.00}. With auto pay that rate was reduced to 3.256 %, which I understand would serve to accelerate the number of payments, and not decrease the monthly payment amount. Since the loan funded I have had the following payments automatically withdrawn from my checking account : XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - XXXX. Notably 3 of these amounts are different, and all are above the {$2000.00} amount included in the promissory note. 

On XX/XX/XXXX, I received correspondence from XXXX, the SoFi loan servicer, that my repayment schedule had changed. It reflected an interest rate of 4.006 % and a monthly payment of {$2000.00}. I contacted XXXX and although they could not confirm why I received that letter, they assured me my rate was 3.256 % I requested a copy of my promissory note, which was provided to me by XXXX. 

On XX/XX/XXXX, as I was reviewing my bank statments, I observed the above funds withdrawals and contacted SoFi. Initially I was told by SoFi that this concern needed to be addressed directly with XXXX. When I informed them that I had already tried, and reminded them that my agreement to repay the loan pursuant to the above terms was with SoFi, i was told they would address the issue. I forwarded to XXXX XXXX, of SoFI, attachments that evidence the promissory note sent to me by XXXX, export of bank statements evidencing the withdrawals, and correspondence from XXXX evidencing the 4.006 % I was told on XX/XX/XXXX that it may take 24-48 hours to get a response from XXXX. To date, SoFi has informed me that they have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This was early 2000s, well Fargo claimed to be point of sale on debit. Instead, they would batch transactions, processing the biggest ones first and assess multiple overdraft fees for every tiny transaction. My situation involved a double charge by another business. Over a weekend. Instead of processing transactions in date and time order, they processed the largest ones and assessed me over {$300.00} in overdraft fees. They refused to correct it. I feel they ripped me off and lied about being point of sale. If you use a debit, it should be processed in date time order.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-06
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this letter to inform you of, what seems to me, to be a lending practice that discriminates against women by requiring additional documentation from female loan applicants. I have cancelled my transaction with the lender but felt it was important to report this practice as it may affect others in the future. 

I was attempting to refinance my home to consolidate my first and second loans, benefit from a lower interest rate and take some additional cash out to pay off a student loan and do home improvements. I have plenty of income, tons of equity in my house and significant other assets and net worth. I spoke with a loan officer and did not foresee any issues. After massive amounts of documentation was provided, the lender then requested I send copies of my separation agreements from two long dissolved marriages so they could be assured that I didnt have any obligations to my ex-husbands that they needed to know about. The first separation agreement was entered in XXXX, several years before I purchased, as a divorced woman, the property in question. 

Here is a little background. I purchased my house as the sole owner in XXXX and have been the only owner and borrower ever since. I have never owned this home with another person nor has any other person been a borrower or co-signer on the loan. I have refinanced it once and taken out a home equity loan since I purchased it. Never have I been asked for this documentation. In fact, never have I been asked for this documentation for any reason ever. It is simply not relevant. 

As part of the transaction, I was also adding my current husband to the deed and the two of us were co-borrowers. No such request for this type of information was made of my husband. In fact, it was never asked if he had been married before or had any contractual agreements with any individuals. When I questioned the lender about it, I was told my name change triggered this request. That is clearly discriminatory as in the overwhelming majority of cases, it is only women who change their name due to marriage. This practice puts an unfair burden on women to prove they dont have any lingering obligations to past spouses and does not require the same of men. 

I have not faced this sort of blatant discrimination since the time I attempted to purchase a car in XX/XX/XXXXwithout my husband present. My experience has been these archaic practices toward women and marriage ended long ago and I was quite surprised to find it rear its ugly head in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 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 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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

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