BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect 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 explanation
Consumer complaint received 2023-03-06
Company: PayActiv, Inc.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Call XXXX time end my card was stolen and they were unauthorized charges I filed a police report and I was told that I would be given a provisional credit while I waited the 10 days by law they had 10 days to credit my account it's been 15 days and I have not provided me my provisional credit while they continue their investigation I done everything the basket investigation and they are breaking the la

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

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 2022-04-09
Company: Atlanticus Services Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
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 1681. Account name : XXXX XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Address Error : Never my address XXXX XXXX XXXX XXXX XXXX NC 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 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 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 2022-04-09
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: Account status incorrect

Complaint:
This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.

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 2022-04-09
Company: EQUIFAX, INC.
State: OR
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 am attempting to temporarily lift a freeze on my Equifax report. I logged in through their web site and it says the request can not be completed. Try again later. This has happened multiple times. I tried to use their phone system and I spent time going through their phone system and I got to the a message that the request could not be completed. This is an ongoing problem with Equifax. I had no problem with lifting the freeze with XXXX and XXXX XXXX. Equifax 's system is broken and they gave me no way to contact a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on 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 2019-03-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
consumer did not have permission to violate my privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account XXXX XXXX was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.

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 2020-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : 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 explanation
Consumer complaint received 2022-04-09
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2022 I walked into a Chase Bank XXXX XXXX XXXX XXXX. to an ATM and attempted to withdraw {$1900.00}. The machine made fluttering noises etc. but never ejected the money. I let one of the bank representatives know and he printed me a receipt with information to file a formal claim. I called the same day and the representative let me know the matter would be investigated and if valid the money would be reimbursed immediately. The following day on the XXXX I received a deposit of {$1900.00} for the claim and assumed the claim was granted valid. 
A month later on XX/XX/XXXX the claim was reversed and the {$1900.00} were garnished. I called once more to inquire as to why, and the claim was refiled. Days later i received a notice stating the claim was again denied! 
I called the same XXXX  number 'Chase claims Department XXXX to appeal but they stated that I'd have to speak to the 3rd party company in charge of the ATM machines as they were who denied the claim. I called the number several times in attempt to speak to someone, twice of which i was hung up on as apparently, 'they weren't able to hear me '. The 3rd time i called, after hours of waiting, i spoke to someone and they stated i was denied the claim as the investigation proved it was an invalid claim and legers from the ATM showed the money was withdrawn. I then called again and spoke to someone in Chase 's claims dep. again to no avail. 
The matter has caused me many inconveniences and i have no way of proving my innocence as i never received the money from the ATM but have no access to cameras, ATM deposit and withdrawal ledgers etc. to prove anything. I'm afraid the overdrawn amount this has caused will eventually go to collections and cause more inconveniences. I'm being forced to pay money that was mine and was essentially stolen. Please help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Attempted to close a zero balance credit card with the company via the customer service phone number on XX/XX/2022. As of today, the card was NEVER closed and still shows available credit online. The incompetent phone representative even claimed " no '' when I asked if the closed account will report to the credit reporting agencies as account closed by consumer. The call lasted for 18 minutes, and the useless representative could not provide an answer as to why the account will not be closed and updated with the credit reporting agencies.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-02-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried, on several occasions to get my credit report updated to reflect that I was never past due on my auto loan. The loan was entered into a payment agreement because of my wife and I being impacted by Hurricane Irma, and my wife losing her job. XXXX told me I could pay the interest only on my loan for 6 months. During the time frame it took them to " process '' the loan modification, they gave me a 2 month forbearance. They reported that forbearance as being late on my credit report, as well as my wifes. When I contacted XXXX, and spoke with XXXX, the manager at the location closest to my home ... she informed me a credit letter requesting to update the credit reports had already been sent, and that they would be removing the late payment history, because I was never late. This was 4 months ago. Now every time I call i get a different answer. XXXX is now saying they have done all they can do and the credit bureaus are just not updating. I have called every individual credit union and they all state they have received nothing from 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 2023-03-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went to open an account at another bank XXXX XXXX They declined me because of error at an old bank I was unaware of until I inquired about the issue. Apparently someone tried to charge something to my forrmer account which had a balance of {$17.00}. First National Bank of PA declined the charge and charged fees on the overdraft. I called them today and they referred me to some collection agency where they placed the charges. I called them twice and they cut me off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

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. 


Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX has violated my rights XXXX Or list of inquiries 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 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 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 2022-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage with fifth third Bank. In XX/XX/XXXX. On XX/XX/XXXX I reminded XXXX XXXX XXXX that property was a lease hold. Association did not own land. My realtor said remind loan officer because some banks do not do loans on lease hold properties. Bank person did not seem concerned at that time. Continued with application. Paid {$390.00} application fee on XX/XX/XXXX. Posted to my XXXX XXXX account on XX/XX/XXXX. On XXXXor XX/XX/XXXX XXXX XXXX XXXX informed me that 5/3 bank does not do lease hold property loans. I had to start over with other mortgage companies. This was 5/3 banks fault. Info was on for sale data and I told them. They will not refund my {$390.00}. To me that seems like fraud. Why did they wait until they took my money to tell me they don't do land lease Mortgages. 
I want my money back. To me that is a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: LD Holdings Group, LLC
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Trying to sell our home- we have a VA loan with Loan Depot. According to our closing documents, the loan can be assumed by the new buyer. Called and spoke to Loan Depot and were told that the process can take up to 180 day ( 6 months ) due to all the paperwork involved and the communication back and forth with the VA. 

I spoke to the VA and what Loan Depot is doing is wrong- they are purposely DELAYING the process due to the fact that they only get {$300.00} in origination fees and we have a low interest rate at 2.25 %. All the paperwork for the VA 's concern is done POST CLOSING! 

Loan Depot would rather the new buyer take a conventional loan because they will not make their money on this assumption of our mortgage. 

I called to ask for an expedited process for the assumption, but was told - " that is the way it is. '' As a result, we will lose the sale of our home as well as lose the home we are building because they delay this process for their convenience. Why? Because they CAN! And we will be homeless - that is NOT something the VA wants. All because Loan Depot CAN! 

Current mortgage rates are high and the process for a conventional loan would take LESS that 45 days to complete AND CLOSE! Yet, if you are assuming a loan- all you have to do is qualify- like you would for a conventional loan. Absolutely NO REASON for this time delay. 

I have names of folks I spoke to both at Loan Depot as well as the VA. I logged all the converstaions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This communication will serve as our Notice of Right to Cancel dated XXXX XX/XX/2022. TILA ( Truth in Lending Act, 15 USC 1601 et seq ; 15 U.S. Code 1635 - Right of rescission as to certain transactions ; 12 CFR Part 226 ; 12 CFR 1026.23 Right of rescission reg. z ) allows three ( 3 ) years to review Disclosure Documents. Full disclosure was not given. Please see attached documentation for full and complete Notice of right to cancel. These notices have been sent via USPS XXXX XX/XX/2022 certified mail.

Company response to consumer: Closed with explanation