BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: MD
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 had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX  XXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 have been contacted by this company XXXX XXXX XXXXXXXX. They keep calling me and have put a charge on my Credit report. I have never talked to these people before. They are saying I Own money for a XXXX XXXX  account. I have open XXXX XXXX accounts in great standing and they are hurting my credit. According to the fair Credit Reporting Act section XXXX you are required by federal law to verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Absolute Resolutions Corp.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit report for {$13000.00}. This is NOT my debt, and they are lowering my credit score by claiming that it is. I was recently turned down on an application for a new credit card because of this. I believe this is a debt of my XXXX XXXX XXXX mother and I own the house she lives in. In addition my name is very similar to her ( now deceased ) husband. These factors may have contributed to the collection company claiming it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF TRANSUNION BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED TRANSUNION TO DO SO. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.

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 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX and Transunion reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

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 2023-02-25
Company: Southwest Stage Funding
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a XXXX mortgage through Cascade Financial Services based upon their rules and criteria as stated on their website and I received a Pre-Qualification Letter dated for XX/XX/XXXX, in the amount of {$71.00}, XXXX. The website states that a certain XXXX had to be met, minimum and maximum loan amount, single-wide or multi-sectional homes are eligible, 5 % down payment, debt to income ratios as high as 50 %, and loan terms XXXX years. 

After receiving Pre-Qualification Letter, I made a deposit in the amount of {$1000.00} to purchase a single-wide house from XXXX XXXX XXXX XXXX XXXX WV. The sales contract is in the amount of {$67000.00}. I shared with XXXX that the house would be placed on property that I purchased in West Virginia as the XXXX XXXX  is for the house only and not the property ( land ). 

The loan then moved through the Processing Department of Cascade after sending the required documents but on Friday, XX/XX/XXXX, I received a phone call from the Processing Manager explaining that the loan was denied by underwriting because of a deed that is in my name for a property in New Jersey. She also told me that underwriting denied the loan because of a foreclosure on the property. I explained a foreclosure is not on my credit report therefore your company is making up things that are inaccurate. Then she explained that underwriting denied the loan because of a past bankruptcy that was discharged in XXXX of XXXX. After listening to all the excuses for denial by underwriting, as per the Processing Manager, I believe the mortgage application was denied because of my race ( I'm bi-racial ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against Santander and  consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called Chrysler/XXXX  ( the original loan owner ) as well as the current company the loan was sold XXXX XXXX both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the Santander Settlement and both companies act as though they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
From early XXXX until the intended close date of XX/XX/XXXX, LoanDepot erred through a lack of oversight and communication ( subsequent to my discovering/escalating an issue ) regarding an intended mortgage in the amount of {$340000.00}. 

Details within the attachment. You'll see LoanDepot 's nonperformance was exacerbated by a deliberate lack of communication ... and subsequent deception ... as I tried to fix their problem and affect the close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While checking my credit reports, I noticed an account that was resolved with a creditor ( XXXX ), is reporting a balance that should not have been sent to collections. A XXXX agent stated that in order for me to renew my insurance I needed to pay a balance that was owed to them. Which I did. They also told me that the balance will not report to the credit reporting agencies and it has. Caine & Weiner should not be reporting a debt that was paid, and closed, as collections on my credit report. It is being reported as such to all three credit bureaus. 

As of XX/XX/2023, Caine & Weiner is still reporting this account in the amount of {$460.00} as collections. How is this a collections account when the debt has been paid and the account is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: JPMORGAN CHASE & CO.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Every time I try to log in into paypal, I get a message stating, " Sorry, we can't log you in. If you think there's a problem with your account, please contact us ''. I keep getting orders from XXXX that have money deposited into the paypal account, but you won't let me log in to ship the items. Therefore, you are now stealing thousands of dollars from me. I can't contact you without being logged in, and you refuse to answer your phones. 

You're a terrible worthless company and I'm glad XXXX is moving to their own platform so I won't ever have to deal with you ever again. You won't ever get a single cent from me after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I could not link my PNC debit card to my teen 's CURRENT account. Issue still isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from a different number every time. They call at all hours of the day and night. I have received 3 calls already today and it is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-11-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : 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 2023-07-10
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I paid the debt with the collector. I asked that my personal information be deleted, since I did not contract with them - the owner of the debt did. They have all my vital information-ssn, address, birthday, phone number. I talked to two individuals. Both said they were unable to delete my file, that their system did not have that option. I have no contract with them. I owe them nothing. I want my personal information deleted since there is no further business with them. There is no reason to maintain this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CBC Companies, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Innovis continuous prevention of online access to my account to verify inaccuracies on my consumer profile has again caused me to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 status incorrect

Complaint:
XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around

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 2020-08-09
Company: Mr. Cooper Group Inc.
State: MA
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 see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed any errors on my credit report. 
I even hired a company to help me and they still ignored all communication. 
I am tired of this I have been trying to rectify these errors for almost a year now. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. This is why I need your help. I was told your agency can assist. If the law is correct, the credit bureaus are reporting incorrect information, not verifying the information is accurate and not completing investigations at all, never the less in 30 days.

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 2020-08-09
Company: Navient Solutions, LLC.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Nelnet, Inc.
State: MA
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 see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2022-03-29
Company: Giggle Finance Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today, I was told I was approved for a loan and I signed the contract. However, after I signed the contract I never received another email and the funds were never deposited into my account. 

I contacted the company and they provided the following response : Although you were initially approved by our automated review, our underwriting team takes many factors into consideration other than cash flow prior to final approval for funding. Unfortunately, you didnt meet our funding criteria to proceed. Thank you for considering us for your financing & good luck with your gig ventures! 

Best, Giggle Finance

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