BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-29
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reviewed my credit report with all three ( 3 ) bureaus ( Experian, XXXX and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

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 2021-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) name and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 



Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I attempted to make a purchase online with my card my balance available is XXXX the company will not process the payment for reasons unknown this is not the first problem encounter XXXX with Netspend my card was cancelled without my permission playing my direct deposit if my income taxes for a month The card was sent to the wrong address so I had to wait for another card from Netspend I paid XXXX XXXX and the money deducted from my card but XXXX XXXX never got the payment

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 2024-01-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/2022 refused me to cash a check and also stated it was a fraud check. Held my funds for 4 weeks.

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 2022-01-18
Company: LoanCare, LLC
State: MO
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:
Loancare ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. Loancare reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with Loancare and the credit bureaus. Loancare provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, Loancare again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that Loancare was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, Loancare erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that Loancare had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to Loancare as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by Loancare based on the complaints I've seen online which requires further inquiry by the CFPB.

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 2022-01-18
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I was notified by XXXX and XXXX XXXX regarding a collection entry by the name of merchants and medical. As stated the original creditor was XXXX XXXX XXXX in the amount of {$550.00}. Then on XX/XX/2022 the collection agency updated the amount again to now displaying {$550.00}. I take no responsibility of owing merchant and Medical or XXXX XXXX XXXX of any amount stated above. I was not made aware of any accusations from this collection agency to dispute this matter effectively along with verifiable information with proof/contracts of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB

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 2021-01-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pro collect called me numerous times for no reason. They left no information on why they are calling repeatedly. I can not afford to repay my student loans or anything else because I have been adversely affected by the COVID-19 pandemic, I am unemployed, and have been homeless twice within the past 2 years. Proof of homelessness and financial hardship can be seen on my prior collection company complaints.

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 2024-01-04
Company: TrueAccord Corp.
State: WA
Product: Credit reporting 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:
On XXXX XX/XX/XXXX, a True Accord agent named XXXX XXXX emailed me a demand payment letter for an outstanding debt from XXXX XXXX XXXX for {$1100.00}. This information from True Accord, a third party agency, refers to an accumulated debt as a direct result of identity theft reported to the Consumer Financial Protection Bureau and to the Federal Trade Commission. All credit reporting agencies have also cross referenced my information as an identity theft victim with three credit reporting agencies per Fair Credit Reporting Act. HoweverXXXX XXXX XXXX XXXX  still contacts me pursues debt collection in violation of statutes within the Fair Debt Collection Act. In addition, XXXX XXXX XXXX reinserted the debt as an entry on credit files in XX/XX/XXXX after all three credit reporting agencies had removed the debt after receiving supporting documents validating that the debt occurred as a result of identity theft. As such, I will vigorously exercise my legal rights as an identity theft victim and pursue a legal claim against XXXX XXXX XXXX for contacting me about the debt, and pursuing the debt, and all attempts to collect the debt in addition to all adverse action to my credit.

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 2021-06-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I returned 3 items of clothing to New York & Company that were charged on the NY & Co credit card through Comenity Bank. They received the merchandise on XX/XX/21. After multiple phone calls they finally processed a refund on XX/XX/21 in the incorrect amount, shorting me {$6.00}. When I called XXXX XX/XX/21 they agreed to issue the refund within 7-10 business days. As of today, XX/XX/21 the refund has still not been issued and I will now have to pay the {$6.00} to avoid a late fee on the credit card account. A call today has not resolved this problem but has only led to more unconfirmed promises that the refund will be issued in ANOTHER 3-5 business days. I have requested this in writing but they have stated that they have no ability to send me anything in writing. In the meantime I am still owed {$6.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to

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 2021-06-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had to report my card stolen and report fraudulent activity on my account so I had to receive a new card. When I received my new card I tried to follow the steps to activate it. The only way that I can activate the card is through the app which I can not access due to not having access to the number or email that I had set up the account with. I have called customer support at least 6 times and have been told that they can not help me and that I will have to set up a new account and lose access to the funds that are in my current account. I am on hold once again with customer service as I type this right now. I was already on hold earlier for 30 mins with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 I filed for for COVID Forbearance as I was going through divorce and bankruptcy simultaneously. Originally my home was listed in a trust that I was the grantor of and my ex-wife and I were both trustees. Due to my bankruptcy I had to revoke the trust and revert all property in a trust back to my name. At the end of my forbearance. My mortgage company guild mortgage would only provide impartial agreements and my ex-wife and eyes name preventing me from returning my home. When I pointed out the discrepancy they refused to change the paperwork to my name solely. I am the only borrower on the loan as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-01-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My extended family was had rented a vacation house for this summer and I charged the first half on my Wells Fargo card. Several family members have been diagnosed with health problems and are unable to go. So we canceled the trip and the rental company refunded the $ XXXX payment that we made with the card. Now I have a - {$7800.00} credit balance. I want a refund obviously. They tell me that it will take a month to issue a refund check. Its a check. It shouldnt take a month to issue a simple credit balance refund. Meanwhile, we owe several people their share of the down payment and I cant give it to them because Wells Fargo says it takes them a month to issue a check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX of XXXX XXXXXXXX XXXX in XXXX to inquire about a refinance into a construction loan situation so that I may build my parents a home in a seperate dwelling located on my existing property. XXXX weeks prior to closing ( and after subpar communication regarding lending fees, timelines, etc ) I am contact via email by XXXX stating that she was going back and forth with her underwriters and had no idea that her company could not support such an investment. 

My credit has already been considered Permits have already been paid I have a contract with the construction company based off of XXXX misinformation. 

Horrible situation to be in, now I am jumping through hoops with no support from XXXX XXXXXXXX XXXX, XXXX could only sheepishly send out an email to me with an elaborate " Im sooooooooo sorry ''. Extra letters dont fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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