BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Received marketing email from paypal for discount at seller that at the bottom of this email it says I am receiving this email because I subscribe to News and Promotions. If you check my account settings I have been unsubscribed to all emails for some time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I got a loan from one main financial. When I got the loan they hard sold me all the insurance they had to back up their loan to me. Medical , road side assistance, XXXX and accidental death, and some dining club thing. It drove my payment up to XXXX well I put my car up for collateral. My car has almost XXXX miles on it. At the time I got this loan I was working XXXX jobs. I hit a deer in the end of XXXX .. long story short the insurance payed XXXX almost XXXX to fix my high mileage car. No motor work, just cosmetic. I had called XXXX main to try to drop the extra insurance on my loan and at that point they offered me another loan of XXXX that would have extended my original loan another year. I told them no thanks. I didn't need no more debt. At one point I had went in the office in XXXX and tried to pay my loan way down and they said I couldn't pay it there in the office that I had to go to XXXX. I didn't understand that so I let it go, and didn't pay the money I had at the time towards my loan. Long story short, I asked them to work with me and they said they couldn't drop the insurance. After I hit the deer I lost a job, had financial difficulties, have a nice looking car that isn't dependable, and have over the roof debt on my hands. I was told that they couldn't accept partial payments... I tried to file bankruptcy and got taken on that as well. Paid the all of their fees and all they keep telling me is we need more documents. That place was recovery law offices out of Indiana. I called one main financial today XXXX XXXX before filing this complaint to try yet again to solve this issue, was told the manager would call me back .. and she never did. All I want is to take care of this debt and some fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I requested a copy of my consumer report from XXXX and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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: TN
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 have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: OPEN MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019 my sister, XXXX, started thinking about a Reverse Mortgage on her house that was paid off. 
From a friends referral, she had contacted a mortgage agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS # XXXX XXXX had contacted Ms. XXXX and made and appointment to meet. 
During the meeting, XXXX had stated to Ms. XXXX what she needed and MsXXXX XXXX said there would be no problem and it would be an easy process. XXXX is distraught from a close family members death and can not think straight. She does not understand business. Ms. XXXX should have noticed XXXX behavior and ceased the transaction without taking advantage of an elderly in this condition. Unfortunately, she proceeded to let XXXX know the procedure. XXXX was overwhelmed and told MsXXXX XXXX several times that she didnt understand. Ms. XXXX told XXXX it was easy. XXXX signs documents and thats about all. 
Ms. XXXX had the documents ready for XXXX to sign. Ms. XXXX sat with XXXX and kept turning documents over for XXXX signature. When XXXX had asked what one document meant, Ms. XXXX stated it doesnt matter. XXXX continued to sign without understanding. 
Now, because of Ms. XXXX actions, XXXX is in a Reverse Mortgage that she doesnt understand. She received {$5.00}, XXXX and was told that would be all the monies XXXX was to receive. She is also paying {$8200.00} and in an Adjustable Rate Mortgage that she did not understand. 
I went through the documents with XXXX, after I found out what she did, and asked her if she understood them. She said no. She said she felt bad after she signed and wished it hadnt have happened. I pulled out the three day right to recession and asked if she knew she had three days to cancel. She stated she had no idea what that was or she would have cancelled. 
I believe Ms. XXXX unprofessionally coerced XXXX into a situation that she was not capable of handling. 
Ms. XXXX 's profile page states : " Helping seniors understand and evaluate Reverse Mortgage products for a more secure retirement, can be both challenging and rewarding. But finding the right program may bring a wealth of opportunity and financial independence that might otherwise be impossible. '' Of which she did neither for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Under 15 USCA 1692 c of the Fair Debt Collection Practices Act, this is my formal notice for you to cease all telephone calls except for those permitted by federal law. I am not cutting off communication with your company but rather reduce all communication to writing from here on out. 

This letter is your formal notice to cease the pursuit of a debt that has already been paid, and for you to confirm the {$0.00} balance owing on the account in the referenced matter below. I'd also like you to confirm that you in fact accepted my payment of {$140.00} on XX/XX/2020. 

The debt was originally owned by XXXX XXXX XXXX XXXX for tolls. 
The account number given will be the license plate number will be included in this request under account number. 

On XX/XX/2020 after being given verbal permission from XXXX XXXX ( Which was recorded ) a Transworld Systems Inc. representative and I made a verbal agreement to pay the specific settlement amount of {$140.00} in exchange for the account to be closed. I paid the agreed settlement amount of {$140.00} which I have proof of via bank statements. Transworld Systems Inc. tells callers before the conversation even starts ; that the phone call is being recorded. So they have physical proof of this phone call. I would like to request a transcript of this phone call as proof that my debt has been paid and should be closed. This is no longer an open account. 

I have had two calls with Transworld Systems Inc. in which information was being provided to me about the account with no problem. On the 3rd call to check on the status of the closed account. Transworld Systems Inc. took it upon themselves to revoke my given permission to negotiate on behalf of XXXX XXXX for the debt owed. 

I am willing to take legal action if this account is not closed within 15 days of receiving this request. I am willing to take legal action if I do not receive a written response ( including a written transcript of phone calls between me and Transworld Systems Inc.representatives ) within 15 days of receiving this request. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 USAA To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to USAA on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: AZ
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:
Per complaint XXXX first agreed once again to remove negative information off credit report. And again they have failed to do what they have promised. This should be investigated. They have impacted my life negatively for too long and cost me WAY to much money due to their incompetence! 

This way their last promise which again they failed to follow through. 

We received the complaint filed with the CFPB by XXXX XXXX. In the complaint Ms. XXXX indicates that she made an agreement with SchoolsFirst FCUs attorney to remove the charge off from her credit report once her insurance company paid her vehicle loan in full. SchoolsFirst is now refusing to remove the charge of from her credit. Upon review of Ms. XXXX account we can confirm that Ms. XXXX contacted us on XX/XX/2016 to let us know that her vehicle was totaled and in the possession of XXXX XXXX. Our records indicate that Ms. XXXX vehicle loan charged off on XX/XX/2016 for being 180 days past due in payments. On XX/XX/2016, we received the full pay off from XXXX XXXX but did not report it as paid in full closed account per the agreement reached between Ms. XXXX and our attorney. Instead, we incorrectly reported it as Paid Charge off on her and her cosigners credit. We apologize for our error. We will update her credit report as agreed by our attorney paid in full closed account and apologize for any inconvenience we may have caused by our error in reporting. Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-02-03
Company: EQUIFAX, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : XXXX : XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I contactedTMX Finance of Florida, Inc. D/B/A Insta LoanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to my tittle loan, Loan No. XXXX to notify them that I was experiencing financial hardship due to Covid-19. I received no response. On XX/XX/XXXX, I called into make a payment, I spoke to XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, Florida store, he asked if I would be making an installment payment or paying in full and convinced me if I was able to pay in full I should. I went ahead and made the full payment of {$3000.00} using my XXXX   XXXX XXXX Debit Card ending in XXXX. I ask XXXX if my loan would be reported to the CRA 's as paid as agreed, then and only then did XXXX inform me that my loan account was charged of in XX/XX/XXXX and I was paying of a debt. I told XXXX that he should have led with that information, he then told me that the the CRS 's will remove the charge off. I told XXXX that wat he did was illegal and violated my rights, and I should have been notified that my loan was charged off and not active. XXXX gave e the impression at the beginning of our telephone call that my loan was active. I immediately contacted XXXX XXXX XXXXXXXX and disputed the transaction,

Company response to consumer: Closed with explanation