BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the three major credit reporting agencies, namely Experian, XXXX, and XXXX. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as Experian, XXXX, and XXXX failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other emotional trauma I need your help as I have been ignored and subsequently been deleted from XXXX. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.

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 2019-04-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I've had a car loan with Ally bank for the past few years now, in which I pay $ XXXX monthly towards, from my XXXX XXXX XXXX checking account. 

On XX/XX/2019 Ally bank used my checking & routing information to deduct an unauthorized payment {$1000.00}, and deposited it into another Ally customer 's account. I have no relation whatsoever to the recipient of the funds and Ally bank has done nothing to help resolve this claim. They have refused to correct the blatantly fraudulent charge, have failed to contact the recipient of the funds, and have completely denied responsibility for their error. 

Additionally, after more than 2 months Ally has failed to even explain the nature of the amount and have even blamed me for the error. Ally has the transaction details clearly showing the transfer was not made by me, but is claiming complete ignorance as to why and how it was made. 

My bank- XXXX XXXX XXXX has had to provide me with all of this information, but unfortunately can not move forward with the claim because I have had previous business with the banking entity ( Ally Bank ). 

I'm running out of resources on how to dispute this. Since the amount stolen from my account is well over {$1000.00}. I am need of this funds as soon as possible. 

I need your help with this please. 

Ally confirmation of Payment # : XXXX Much appreciated, 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 explanation
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
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: Investigation took more than 30 days

Complaint:
Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: LA
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:
I sent letters on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I feel like Im being taken advantage of and like my disputes are being ignored. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Aqua Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX offered to install gutters at my home and never completed the work. They disappeared on me and I have not been able to contact them. The financing company Aqua Finance is saying they can not get in contact with them and they don't have any contract for me on file but reporting to the credit bureaus that I owe them a balance for work that was never completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX posted fraudulent claims on XXXX about a carb-cutting supplement. They lied, claiming their product received the highest praise from the TV show XXXX XXXX and included false articles and photos. I was presented with a pop-up web site advertising a free sample, just pay {$5.00} shipping. I figured it was worth the risk. Well, it was not. I received a fake order, package with advertisements only and then a new {$84.00} charge. I disputed the charges and reported my card lost/stolen. Chase removed the {$5.00} charge but refuses to remove the {$84.00} charge. Chase claims I signed up for a subscription. XXXX changed their web site and offer after the sale. I have not received any product or services from XXXX and I emailed them requesting a refund about a month ago. No response! CHASE fraud services told me ... and I quote " Using my credit card is as good as cash '' and " once I provide my card number to a merchant I am giving them permission to charge whatever they want '' This is absurd. Top it off, the first time I called XXXX about the dispute they knew the details immediately without research. The representative was reading the " terms and conditions '' of my order with XXXX. I asked them where they were reading this from and was told " from their web site '' I went to the web site and it required signing in before you could read the terms and conditions. It was a completely different site from what I had seen when I ordered the free sample. How could Chase have known all the details within seconds?? Because they know the scam and protecting the scammers. 
The only reason I fell for this scam, after reading every minute detail and being skeptical ... was because I trusted that if it was a scam that I could simply dispute the charge. Now I see that Chase is  protecting scammers and I can no longer expect the support or protection from credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my Experian report as a result of my dispute. On XX/XX/2020, Experian re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' Experian failed to notify me of the reinsertion. I was notified through my own credit monitoring software. I have attached proof of said deletions and reinsertion.

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 2021-06-15
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in XXXX. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Buying your first home should be one of the most memorable experiences ; however, ours was one of the WORST experiences I have ever experienced. The lender, XXXX XXXX, who works with American Pacific Mortgage Company has been the worst customer service experience of my life and is completely inept.

To begin with her communication skills are atrocious. She would ignore phone calls and respond via text message or email usually after a few days of us calling and repeatedly messaging her. Certain days she would message us around XXXX with a task and if we called to ask for questions, she would claim that she was not near her computer. Having a phone conversation was like pulling teeth and she was very abrasive via text. 

Secondly, she never explained anything to us, we were XXXX  or reaching out to friends, our realtor, and everyone else to get answers. She herself on several occasions told us to look things up on XXXX. 

She gave us a pre-approval for a set amount in which we paid the home appraisal fees and additional fees with it all our efforts being futile. She additionally requested tedious tasks from us which we completed within an hour of her asking for them, and they were time consuming paperwork tasks. In return we just wanted open and honest communication ; however, she failed to do so, and would go days without returning our emails. At one point she claims her phone could not receive phone calls, but she could text and still email from the phone. Specifically, it was XXXX XXXX, and we called her and finally got a hold of her, and we expressed our frustration and our concerns, in return she told us She spent enough time on us. These comments were repeated in the presence of our realtor, who was astonished that she made such a comment. 

She is completely insensitive and inconsiderate of her clients time and money. 

The delayed communication caused our process to go over the time frame, with frustrations from the seller, the listing agent, and ultimately, we did not receive the home. She would procrastinate on her side then harass us to call our managers and HR departments to get documentation sent over ASAP. The constant calling and pleading to employers to get the documents to her last minute soured our relationship with them. 

Our realtor worked with us as if we were family and we felt our concerns were heard BUT NOT with the lender who in turn gave us such a headache we were in tears throughout the entire process. We personally believe that we were discriminated against based on our XXXX and XXXX background.

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 2019-02-15
Company: Duvera Billing Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to a puppy shop bought a XXXX  XXXX and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and Duvera Billing services , LLC 413 Your Easy Pay Finance Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
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 1681. 

XXXX Card : XXXX, XXXX Card : XXXX, XXXX Card : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX 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 a 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 other adverse item 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 non-monetary relief
Consumer complaint received 2021-06-28
Company: Skopos Financial, LLC
State: SC
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:
XX/XX/XXXX I am writing to file a complaint against Skopos Financial, XXXX, and XXXX.

I have made several disputes with the credit reporting agency reporting that Skopos Financial was not accurately reporting information. The balance that Skopos Financial is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that Skopos Financial provided. I recently sent a debt validation letter to Skopos Financial requesting that the lender provides transaction and balance history. Per the documents provided by Skopos Financial on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has Skopos Financial provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Skopos Financial to date. 

I am requesting your assistance in putting an end to this matter.

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 2018-04-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received countless harassing phone calls from XXXX XXXX XXXX for a debt that I have never heard of in my life. They call at all hours, and on Sundays, and they change the phone numbers they call from so I am unable to block them. I told them to stop calling and they ignored it. Please help! I have read so many online reports of this happening to others as well, so they need to be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
This information that I show here is to be removed from my report since it is not mine and it affects me. 

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 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.

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