BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dividend finance is the company who financed my solar panels. We applied for solar back in XX/XX/XXXX, but from getting them installed took months, so we actually dealt with the company installing the solar panels which took months, because of county permits, etc. So by the time panels got installed it took months after we signed paperwork back in XXXX. Panels finally got installed and we wouldn't start paying until 60 days after installation before payments would begin. Dividend company didn't even send a prior notice n it notification, payments began but when they began I didn't even remember who the finance company was at this point was anymore. By this point in XXXX I just noticed " dividend 102 '' with money missing in XXXX, at this point and XXXX from my bank account and I flagged it as unrecognized, in which XXXX XXXXXXXX XXXX put in an investigation, because they didn't know who Dividend 102 was either and usually they have more information regarding names such as " dividend 102 '' that were automatically taken out as payments, or they can give me a phone number, but nothing was showing on their end either, so no phone number, address, nothing. After a week of investigation which by this point is, late XXXX they determined in my favor and returned the money to my checking account ... Days pass that's that's when XXXX XXXX notifies me of my credit score going down XXXX points and who finally gives me the information I needed to finally reach Dividend, and put together who Dividend,102 was and finally I was able to reach out to them, catch up on my account immediately in the beginning of XXXX, I even payed XXXX early. I tried speaking to supervisors, different representatives and see if I could be forgiven for all the misunderstanding, and up until now they do not want to help me resolve this. The main reason I am so skeptical with weird transactions, I was a victim of identity theft 7 years ago, and I have proof of that, I even have my credit frozen in all 3 credit bureaus and have to unfreeze my credit when I have to for sure situations, I really take care of my credit. My XXXX credit went down the drain because of this company, XXXX points! While XXXX and XXXX are in excellent standing in the mid 700 's. Dividend didn't even bother to send me a statement before my first charge in XXXX, XXXX, or even XXXX... I barely received my first statement in XX/XX/XXXX, and I received them both thru email and text. 

I explained the situation to dividend finance and even sent paperwork explaining how and why the confusion happened, even a letter from XXXX XXXXXXXX XXXX, it wasn't that I was deliberately late, I'm never late to any of my credit cards, mortgage, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I HAVE BEEN CALLING THEM AND THEY TELL ME THE SOMETHING ITS ACCRATE AND ITS IS NNOT. THIS IS THE PROOF FROM XXXX COMPANY. THIS IS CAUSING DAMAGE TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX  Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to contact the these creditors this month but got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquiries and 1 collection account on credit report were not authorized and fraudulently acquired through identity theft collection account XXXX XXXX XXXX Inquiries XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There are numerous amounts of errors on my XXXX, Transunion, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well.

I was also a victim of the data breach. I have sent XXXX/Transunion/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, Transunion, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.

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 2023-07-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate. 

months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage. 

XXXX XXXX  XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month. 

After paying XXXX XXXX  XXXX for almost 2 years. 

XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled. 

I asked them if the loan re modification was to lower my interest rate like XXXX XXXX  XXXX informed me. 

Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX  Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX  name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX  And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
According to the Fair Credit Reporting account, XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple fraudulent inquiries are reporting on my credit report. 

XXXX XXXX XXXX XXXX  -TransUnion XXXX XXXX XXXX XXXX TransUnion

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 2021-05-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$11000.00} Simple merged/sold to BBVA on XX/XX/XXXX. Accounts were to be transferred " seamlessly ''. 
Background : With Simple, I utilized the easy app-based toggle-on-and-off " block '' feature on my debit card, unblocking it to use it and then immediately putting the block back on. Once BBVA took over the account, I was not able to use my debit card, which is the only way to access my money. I called BBVA on approximately XX/XX/XXXX. After waiting 1 hour and 15 minutes to have my call answered, and after much continued holding, I was told that because the debit card block was in place during the merge, that the card can not be validated until I [ go back in time to XXXX and ] fax a letter requesting the card to be activated, and include my ID front and back, account number, address, phone number, and the request. On Saturday, XX/XX/XXXX I faxed said request to the provided number and received confirmation that the fax was successfully sent. The same day, I got an email from a BBVA employee in a different part of the company letting me know that the number I faxed to was correct, but there is an error in the system that is sending the faxes to him ; he had notified IT and forwarded all incoming faxes to their BBVA IT department. No change to my account access, so on Tuesday XX/XX/XXXX, I again faxed the request along with a copy of his email. A reply from the same guy!!! Nothing he can do, forwarding to IT, keep trying. 
In the meantime, all of my automatic-pay bills are going unpaid and I have had to borrow cash to pay for gas and food! 
After additional drama navigating BBVAs broken website for transferring funds, involving having to guess at partially obscured fields on the screen and calling my new credit union for assistance with the account number field ( my credit union account has 14 digits but BBVA only allows 13 digits ), I find that it costs me {$15.00} to do an immediate wire transfer with a daily limit of {$5000.00} and a monthly limit of {$7500.00}!! So to get my {$11000.00} I have to PAY {$45.00} and wait more than 30 days. 
I am disgusted with their way of doing business, which seems intentionally set up to hang on as long as possible to my money without providing me information, solutions, or a way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: TN
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:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I've been a member of Bank of America since 2010, I'd appreciate if CFBP look into my account to see if BOA double dipped on insufficient fees.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
Account that was reported, reported fraudulent incorrect information on my consumer report the balance and that it was 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-08-15
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief