BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2019-08-06
Company: MARINER FINANCE, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 at exactly XXXX, I received a phone call from a Ms XXXX XXXX the phone number XXXX. This individual did not verify my identity in any way. I never during this phone call confirmed my name. However, after requesting to receive any communications via mail, this person started to threaten me with garnishment of my wages. I have requested any communications regarding the reason for thw call be sent via mail to the address the company had on file. I have requested this several times and still continue to receive harassing calls. When I requested a mailing address to make this request in writing, the caller " Ms XXXX '' continued to threaten me and would not provide a mailing address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/XXXX I entered into a person loan with BMO Harris for {$15000.00}. Due to being diagnosed with XXXX  XXXX in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was XXXX, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by BMO Harris on this loan. When I was well enough, I contacted BMO Harris and notified them of my near XXXX XXXX issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted BMO again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.

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 monetary relief
Consumer complaint received 2023-11-08
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is not mine it's from a state I have never been a resident of. It is identity theft someone used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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 XXXX Account 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 an 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 and 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 2020-07-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I got transferred to 3 different departments on the phone, when I finally got to talk to someone I told them what happened and they said they would escalate the situation to someone in higher power and will be contacting me they never did. I keep receiving emails from ACE cash express saying that I owe XXXX dollars on XXXX XXXX. I began getting the emails on XX/XX/XXXX saying that I made an in store appearance and I havent left my house since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the dark web. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXXXXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything

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 2022-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND ACCOUNTS attached to this complaint from my credit report 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 non-monetary relief
Consumer complaint received 2019-02-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am submitting this report because unauthorized accounts have been opened in my name twice in the last 8 months at Bank of America. The first incident happened in XXXX, 2022. The most recent incident happened at XXXX ( EST ) this morning. 

In both cases I received several emails letting me know a new account was applied for and ultimately approved in my name. The first time was a mess to get resolved but Bank of America did eventually send me a letter indicating they agreed the account was fraud. This time I had a better idea who to talk to and what to ask for. The account is closed and I am supposed to either get another letter indicating this was also fraud, or they will contact with any follow-up questions within 2 weeks. As with last time, it was challenging to get them to say they would send a letter as they didn't seem to understand why I wanted it. 

In both cases I caught the account opening before any transactions took place. I had a mortgage with Bank of America years ago so they do have my info on file. The first time I assumed my info was compromised somewhere. I've received no alerts through my id protection or any credit agency, but now that it's happened again at the same bank I wanted to file an official report with the CFPB. I've only provided specific documents relating to the current issue, not the identical incident 8 months ago. I'd be happy to provide more details on the previous incident if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear Sir/Madam, I am writing to lodge a formal complaint against Goldman Sachs Bank USA concerning my Apple Card account, which was opened on XX/XX/XXXX. 

Following the opening of this account, I did not receive any copy of the Apple Card Customer Agreement, which is required to contain key information about my account such as the terms of interest on new purchases, details regarding the prime rate, the arbitration provision, and other important terms and conditions. 

To my understanding, this may constitute a violation of the Truth in Lending Act ( TILA ) and the Credit CARD Act of 2009. These Acts mandate that credit card issuers provide clear and conspicuous disclosures of the account 's terms and costs to the consumer. I believe the non-disclosure of such important information has deprived me of my right to be fully informed about the financial product I have purchased. 

The lack of disclosure has resulted in an unfair and deceptive practice that hampers my ability to make informed decisions regarding my finances. I hereby request the CFPB to investigate this matter, enforce necessary actions against Goldman Sachs Bank USA for any potential violations, and ensure my rights as a consumer are upheld. 

I am prepared to provide all necessary documents and records in my possession to support this complaint. 

I appreciate your time and consideration of this matter and anticipate your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late XXXX XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX  - OpenedXX/XX/XXXXXX/XX/XXXX Bal. {$4700.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$1800.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$2600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8300.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  XXXX UNKNOWN - Opened 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 2020-02-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally 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 nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I contacted RSI Enterprises about a derogatory remark on my credit report. I had made arrangements to pay the medical debt owed to be deducted automatically form my bank account. The final payment of {$470.00} to be drafted from my checking account on XX/XX/2021. I asked for a supervisor and I was denied to be transferred and was not given a reason. After repeated attempts I was routed to a supervisor and presented my question as to when the derogatory mark on my credit would be removed. The supervisor stated that they can not remove the derogatory remark form my credit " just for the mere fact that I had paid the debt in full '' She repeatedly stated that full payment did not mean I was clear. I had made payment arrangements and it was my understanding the balance I was paying was with the intent the collection was to be removed from my credit. I am working on a loan application and due to the point loss you acquired when this hit, it is hindering my credit and my ability to qualify for a Mortgage. Being a Veteran and having served overseas during war time and continue to serve my Country, it is unconscionable to me that a small medical collection can hinder my ability to obtain Mortgage financing especially when I had made arrangements to pay the debt in full. It is my hope that RSI Enterprises will do the right thing and delete their collection from my credit profile with the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Concerning loan servicing transfer. On XX/XX/2023, I received a letter from Flagstar Bank notifying me that they were taking over my mortgage as of XX/XX/2023 -- the very next day. The letter is dated XX/XX/2023. Under either date, this plainly violates the requirement that I receive 15 days notice. I received absolutely XXXX notice from my actual service, XXXX XXXX XXXX. 

Why is this an issue? Because I have an autopayment scheduled to my old servicer set for XX/XX/2023, and it's too late to cancel that payment. I can not set up autopayment with the new servicer until XX/XX/XXXX. Per Flagstar 's letter, my old servicer stops receiving payments as of today. I tried to contact both servicers but did not receive the letter until the close of business. As of right now, it appears that I am both simultaneously going to pay my mortgage to an old servicer and, in the same month, fall behind on my mortgage with a new servicer. Even if the money is ultimately refunded and I am not charged late fees under the 60 day statutory protection period, this is causing immediate financial ( and emotional ) harm. Also -- how can I trust these companies to adhere to the 60 day safe harbor when they already violated the 15 day notice period?

All of this could have been avoided had these two servicers simply complied with the law, given me 15 days notice, and scheduled the transfer for XX/XX/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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is an going problem Ive sent them court documentation further proving everything nothing has been done this bankruptcy should not be there its not correct please have this removed its hindering my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Usaa refuses to accept ach payments from my bank account. It is a XXXX called XXXX XXXX and direct competition to them. How is this legal. No other options to pay but ach. They will not accept debit card payments either. How is this my problem. I will not pay until they provide a way for me to do it without violating udaap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation