BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$1000.00}

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 explanation
Consumer complaint received 2021-12-03
Company: PRIMARY RESIDENTIAL MORTGAGE
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our house last month. At the time of closing we paid all fees to include our taxes. Despite being advised by our closing attorney ( and I have emails to show this ) the mortgage company decided to not wire the money for taxes, instead they deducted it and kept it. Where this becomes a problem is they sold our loan quickly to another company and now no one can tell us where this money is. We have been working with our local branch and are told no one can find it. We have called customer service at Primary Residential Mortgage and are told we never had an account with them. We keep getting the run around despite having emails given to us by the attorney showing that XXXX kept our money. I have tried sending emails to the closing representative at XXXX and they refuse to respond to me. At this point no one can tell us where our money is and will not communicate with us. It seems they have kept our money and are claiming to have no record of it. Again we have documentation that they did not follow normal procedure and were advised against doing this by our attorney, XXXX refused to comply with the attorney recommendation and this has resulted in the loss of our money. We are beginning to suspect they have stolen our money or doing some form of illegal activities. I have exhausted all avenues other than someone with the government investigating what happened, so we are not out more money to pay our property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Set up a new insurance policy and paid the entire premium in full ( effective XX/XX/XXXX thru XX/XX/XXXX ). Advised the mortgage company ( Wells Fargo ) of this and they contacted the insurance company ( XXXX XXXX ) to verify receipt of payment in full. 
Requested escrow analysis to lower payment and was advised that they " still will collect funds for these future payments. '' I responded that this was absurd and I would not be paying double on an insurance policy and that my payment needed to be adjusted. 
This is not fair and I should not have to pay the mortgage company for insurance that has already been paid to the insurance company.

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 2019-09-30
Company: EQUIFAX, INC.
State: SC
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 repeatedly filed disputes and complaints with and against Equifax, since XXXX, on information contained in my credit report. I have contacted companies that have requested credit information with out my approval and while my credit report is on a legislative security freeze, and have submitted these letter many times to Equifax. Equifax continues to not remove these inquires as well as accounts that are aged and should be removed. I have also contacted via telephone and was told that Equifax could not provide any assistance or remove any information. 

Once again, on my last attempt to file a dispute with Equifax with report number XXXX there were no corrections. Equifax continues to do nothing. Disputes were filed with Equifax within 30 days of being notified of the credit inquiry. 

The following credit inquires were no authorized nor was I ever contacted by these companies per the Legislative Credit Freeze. 
XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  - Card Services ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Aged Accounts to be removed. 
XXXX XXXX XXXX XXXX Account not mine. Have submitted letter from company stating that they do not have my information. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8700.00}

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 explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Conn's, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to Conns they said they was giving me a good deal on my account and if I paid a few XXXX my account Would show current they would say one thing and do another or debit on the wrong day or get the money from the wrong account the employees did not know how to fix an account when they would promise one thing and do another Conns would call more than. 6 times a day saying one thing and do another when you believe it was resolved the phone calls would happen again billing for wrong amounts or wrong info causing the customer to default on account giving false info to get a payment knowing it would not make the account current only to call back with a different amount a few days later conns would use deceptive tactics to deceive the customer knowing the account was never corrected as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  XXXX paid in full it is showing a closed account which is wrong it should show it paid off. Number two PayPal is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look Paypal has a complaint with you about this by my husband

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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a card from my tax preparer. My federal and state taxes loads to this card every year. this isn't a card I use regularly and I almost always keep money on this card. I have been a victim of credit card fraud. As soon as I found out I notified the company immediately. I got a police report, i also did my own investigation and went around to local retailors and i was able to look at and record over footage from one of the stores in question. the video shows an unknown male swiping my card providing no id at all. I did not authorize nor do I know who this is. The card company is giving me a hard time and just after less than a week denied my claim. The card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 some accounts reported in my credit report that do not belong to me and I would like to remove it due toidentitytheft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to file a complaint with the company XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : Bank of America. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT BANK OF AMERICA ''. 

However, Bank of America already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to XXXX XXXX XXXX in XX/XX/XXXX. 

The resolution I want is for XXXX XXXX XXXX to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.

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 2020-09-23
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a suite from Superior Court today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the XXXX  XXXX XXXX by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to Superior Court and I am now getting documents.

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 2023-06-21
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company Apire Credit Card closed my account and told me they closed it due to payment return history but I am disputting there claim because they violated my rights an also took my money and ruined my credit. This company put my account on hold because of I told them dispute unauthorized charges from XXXX XXXX XXXX and they charge me over {$1000.00} and every since that problem my card was closed but before then I had and availbe credit of {$290.00} but not they say i owe then {$290.00} and my account closed. The proof is in the statments i uploaded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My wife has one and I have two credit card accounts through Upgrade Card ( XXXX XXXXXXXX XXXX ). I also have a personal line of credit account through them. 

Upon checking all of our accounts after an unrelated data breach occurred in XXXX, my wife and I noticed a series of documents in our portal labeled Promissory Note - dozens and dozens of them. Even more curious, the execution of these promissory notes were done by the lender using Attorney of Record privileges. Further, we never received any Truth in Lender statements for these numerous promissory notes nor did XXXX exist within the Document portal at Upgrade.com. 

Since my wife has her own unique accounts with them, she called to enquire about all of these promissory notes and the lack of TILs, to which she was told that promissory notes are just a customary thing and that Upgrade would disregard the promissory notes when the loans had been satisfied in full. When asked what our actual balances were, the CSR declined to answer due to account security reasons - after they had authenticated us as the account holders. 

While it is explained that Upgrade works differently than conventional credit card products, nowhere could we find any information about numerous promissory notes being created and executed by a power of attorney on our behalf. We also couldnt find any verbiage that exempted them from XXXX  disclosure. 

In my review of the documents provided upon open of the account, draws being made, promissory notes, attorney of records, and XXXX, I do not believe the Upgrade Credit Cards to be a legal debt. In both of our cases with these cards, weve.not used them in months, have paid more than the minimum, and the balance will not decrease. 

These credit cards arent credit cards at all. Each time they were used a new 3-year term personal loan document was created ( with interest pre-compounded ), then the document was executed by an entity whom we didnt give explicit permission to act on our behalves- all the while NOT giving us the Truth in Lending documentation required under law. 

We have phone recordings as well as our account documentation we are happy to share if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: SANTANDER HOLDINGS USA, INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I PARTICIPATED IN A CONSUMER CREDIT TRANSACTION NOT A LOAN PURSUANT TO 15 U.S. CODE 1602 ( I ). Take further notice that pursuant to 15 u.s. code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by the organization in direct violation of this law. The dealer ship in question accepted a Down payment of {$8000.00} violations 15 us code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction pursuant to q5 us code 1635b upon receipt of this revision I am not liable for my finance charge or any other charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report and saw that Choice Recovery was listed as the account holder for an account. I had never recieved any notifications from this company that I owed them a debt. I sent letters to validate the debt on XX/XX/2021 and never recieved a response. I sent follow up letters on XX/XX/2021 and XX/XX/2021 and still have yet to receive a response from Choice Recovery. I would like to have this account deleted from my credit report because Choice Recovery has failed to validate this debt and send me a response in a timely manner. I have also filed disputes with the credit bureaus of which I have not heard from them either. Choice Recovery is listed on XXXX, XXXX, and XXXX. This month I noticed that XXXX is reporting the same account twice with different account numbers! All the other data is the same except the account numbers. I am filing this complaint for myself and have included my ID, copies of the credit report, and copies of the letters I have sent to Choice Recovery.

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