BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: Army and Air Force Exchange Service
State: OH
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:
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft

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 2023-02-08
Company: Westcreek Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, After signing my lease I have been in contact multiple times trying to respond to customer service and received no response to help assist with a reasonable payment plan. For several weeks I made on-time payments, then when changing jobs notified koalifi I missed a payment because my weekly paychecks were transferred to monthly checks. Instead of a reasonable customer service agent reaching out to help get me back on track, I was told my missed payment now made me ineligible for a 90-day payoff and the interest on my loan was doubled and reported to the credit bureaus. I purchased {$2800.00} of furniture and made several payments over {$100.00}. My balance currency shows I now owe Koalifi over {$5000.00} and the cost of my loan has more than doubled. This is unacceptable and under the guidelines of the FTC and predatory lending regulations. When I signed off on my purchase at the store no one explained the cost of loan would more than double and destroy my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: FACTUAL DATA CORP.
State: MI
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:
Factual Data XXXX, CO XXXX XXXX XXXX XXXX XXXX My credit was check with out my permission by this company. It put a hard inquiry on my score. What is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Account status incorrect

Complaint:
I opened a loan with XXXX for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: FB FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing this complaint after trying several times to correct this with the current servicer. I had recently had my PMI dropped with an updated appraisal that came in above {$730000.00}. I requested from the servicer to have the escrows removed but they are refusing to do so citing that my LTV is at 84 % but that doesnt make sense as I would still have my PMI. Now they are stating that when my loan was transferred the first month when I was unable to make a payment online they are stating it was an in-house late payment. Which they arent reporting to the credit bureaus as we all know a consumer is allowed a 60 day grace period when loans are transferred. I have spoken and emailed them 18 times about this matter always getting the run around. I need help as I am absolutely not required to pay my escrows with my mortgage and am choosing not to do so. The current servicer is XXXX XXXX XXXX, my previous was XXXX. I have never been late on my mortgage with either of them.

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 2019-07-31
Company: EQUIFAX, INC.
State: TN
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
RE : Account Numbers : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX submitting this requsest in regards to my initial dispute to the credit bureaus ( TransUnion, XXXX and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX ) I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past XXXX days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX and XXXX XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been XXXX days and no comment and/or remark have been made to my XXXX report under account number XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.

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 2020-04-12
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: Information belongs to someone else

Complaint:
taking more than 30 days

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 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update the suspicious information or accounts. I think you have not validated these accounts after I complained previously. These accounts were already included in my prior COMPLAINT, and I'm including them again. 
Investigate and verify these accounts : OFFICE OF THE ATTY XXXX XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force XXXX to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. XXXX failed on numerous attempts to have accurate information report on my credit profile. 

XXXX violated every one of these laws and more.

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 2016-08-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. 
Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. 
Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I opened a Capital one 360 Savings account on XXXX XX/XX/2022. I invested {$100000.00} so I would qualify under the XXXX promotion, which I received notice of through my credit card account. 

The promotion clearly stated that you had to invest the money within 15 days of opening. I opened an account and the account was funded the following day. It stated you had to leave it for 90 days and then up to 60 days after the 90 days, you would receive the bonus. There was no mention of having to wait 15 days before the 90 days to start. If this was the case- unless you are deliberately trying to mislead and scam people why wasnt this clearly stated in the same line as you have to leave the money deposited for 90 days. Additionally I did review the alleged fine print, there was no mention of this. 

I have attached a copy of the XXXX promotion I received. 

On XX/XX/XXXX after approx. 94 days I transferred the money into a Capital one CD ( and even added to it ), so obviously I didnt need the money. If I had known I had to wait approx. 8 more days to receive, dont you think I would have? 

On XX/XX/XXXX I called Capital One, as more than the required time had passed and I had not received the {$1000.00}. I was informed I didnt qualify as I hadnt waited long enough. 

Eventually, after being told this repeatedly by a Customer Service Rep who didnt seem to understand what I was saying, I was put through to a specialist who was sympathetic to my request and appeared optimistic, but said she did not have the authority to authorize the {$1000.00} and that she would escalate it and I would get a response within 2 weeks Case Ref : Ref : XXXX On XX/XX/XXXX I received an email stating that the time required was actually 15+90+60 days and my request was denied. This was definitely not clear at all. I notice Capital One has changed/clarified the requirements in place for their latest promotions, but this was not the case in the XXXX promotion. 

I dont feel I should be penalized for Capital One trying to mislead/scam me. Of course I cant even withdraw my money in protest at the way I have been treated, as this would mean giving Capital one several thousand dollars in early withdrawal penalties. There is little point in even giving them a bad review, as apparently I have already been beaten to it. Capital One had 1.5 XXXX rating and a 1.0 XXXX XXXX rating, so I guess they dont care. 

I am retired so this a way of generating income. 

This transaction was made in good faith and I believe they deliberately and knowingly gave misleading and incorrect information, especially as I did not withdraw this money, I in fact, added to it and transferred it to a CD account with Capitol One. 

Why would I have moved this money into a CD on XX/XX/XXXX, if I had known I had to wait until XX/XX/XXXX ( the qualifying date according to Capital One ) to receive the {$1000.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Navient Solutions, LLC.
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am revoking all rights, as power of attorney, I, XXXX, natural person, original creditor, power of attorney, XXXX ; only i can act on my behalf ; Navient has violated my Federally Protected consumer rights according to FCRA, as follows : 15 usc 1692 ( a ) states I have rights to privacy 15 usc 1691 ( b ) no permissible purpose, or written consent 15 usc 1692 ( g ) - Exhibit E 15 usc 1602 ( p ) unauthorized use-Exhibit D 15 usc 1692 ( j ) deceptive forms -Exhibit D 15 usc 1682 ( b ) no original creditor- Exhibit D 15 usc 1682 ( c ) no prior consent for alleged contract -Exhibit F 15 usc 1692 ( e ) ( 2 ) ( a ) - false representation if character amt. positive balance instead of neg.-Exhibit C ( times 5 ) 15 usc 1692 ( b ) ( 2 ) state no consumer owes any debt phasepast due -Exhibit C 15 usc 1637 ( 8 ) ( a ) opening open-end credit to consumer not obtaing age XXXX ; fact I was XXXX at the time-Exhibit B 15 usc 1666 ( b ) ( a ) treating payment late for any reason-Exhibit B 15 usc 1692 ( e ) ( 14 ) using another other name-Exhibit A They have negatively harmed my means ( rights granted ) for the use for personal, family, or household purposes ; by reporting negative, invalid information by unlawful using/obtaining my identity FOR : 5 FEDERALLYPROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692. 
AMOUNT : {$10.00}, XXXX DUE UPON RECEIPT. PAYMENT METHOD : PAY BY CHECK. 

15 usc 1681 Civil liability 15 usc 1611 criminal liability For willful/knowingly violations which will impose fees, and/or imprisonment

Company response to consumer: Closed with explanation