BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
Experian has closed XXXX complaints today and notified me that there still working on the issue, ITS ALL THE SAME COMPLAINT EXPERIAN IS STEALING PEOPLE 'S PAYMENT HISTORY TO KEEP SCORES LOW

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 2023-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from Experian. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. 

XXXX  XXXX XXXX XXXX Account number XXXX Account type Charge  Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$800.00} Balance updated XX/XX/2023

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 2023-11-10
Company: Experian Information Solutions Inc.
State: LA
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:
I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX # XXXX. In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-12-24
Company: Netspend Corporation
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my NETSPEND card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, 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 2023-10-29
Company: WELLS FARGO & COMPANY
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
A dillards charge account was opened, someone changed my email address and address on my XXXX XXXX XXXX and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in XX/XX/2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for 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 2024-01-20
Company: SG and Associates
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: Problem with personal statement of dispute

Complaint:
They sent me an original contract that is not mine. Does not have any signature from me, nor does it even have there name anywhere in the contract that they sent to me. But yet they are negatively reporting this info on my credit report. When i mentioned this to the company Stafford Group Assoc directly they stopped responding, And the credit bureau continue to say the information is verified even with this company name being nowhere in the so called Original contract.

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 2023-10-26
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a previous CFPB complaint with Net Credit regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. Net credit is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: MI
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:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX 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 2023-10-14
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX Ford XXXX XXXX through Ford Motor Credit. I paid the loan off. Ford has never reported this to the credit bureaus. I have been on the phone with them three different times each time they say they will take care of it but never do. They finally sent me paperwork saying that I bought the van through them and paid it off. I sent all this information to XXXX and XXXX. with explanations about everything and neither one of these companies have done anything to help me I need this reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-10
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
When my mortgage company Mr. Cooper, changed my mortgage servicer to XXXX XXXX, I set up auto pay with the new servicer. The auto pay deducted my mortgage payment every month for well over a year. Without notice, in XXXX, the mortgage servicer didn't deduct my payment affecting my balance and assessing a XXXX late fee. I never canceled auto pay. All the servicer will say is that my auto debit was disabled. No explanation. And they will not allow me to re-enable it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: ZIONS BANCORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of over {$90000.00}

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 2023-12-10
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: Account information incorrect

Complaint:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802.

Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government.

17cfr 424 all inquiries must be removed.

Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TN
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made payments on my student loans in XXXX and XX/XX/XXXX. My account was put into forbearance by MOHELA in early XX/XX/XXXX due to my bill for XX/XX/XXXX having not been sent on time. As part of the new PSLF rules as published online ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions # qualifying-payments ), additional payments can be handled as follows : " You may prepay, or make lump-sum payments, which first apply to any months during which you missed a payment and then would apply to future months up to your next income-driven payment ( IDR ) plan certification date or 12 months. For example, if you recertified your IDR and your monthly payment was {$100.00}, but you paid {$1200.00} for the first months payment, that payment would count as 12 separate monthly payments for that year. You would not need to make another payment until the next 12-month cycle when you have to re-certify your income for IDR. These payments would count as qualifying payments toward PSLF forgiveness once you certified your employment with a qualifying employer for the same 12-month period ( which you cant do in advance ). '' In reviewing my payment history, I noticed MOHELA applied my XXXX and XX/XX/XXXX payments to principal only even though I previously indicated in my account that I want additional payments to be applied to paid ahead status. When I called MOHELA to confirm my payments from XXXX and XXXX should be applied to my payments due in XX/XX/XXXX and XX/XX/XXXX, I was told this is not possible and the only option was to have them applied to the principal balance. My income re-certification is due in XX/XX/XXXX. I attempted to escalate this concern to a manager but was unable to connect with one. Based on the information published on studentaid.gov, MOHELA 's management of my payment is not in congruence with current standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: 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:
I have a {$200.00} balance on an AmEx prepaid gift card that I am unable to use anywhere online - even though I have followed the instructions to only use sites that use the card number, expiration date and security code. 

I have tried XXXX, XXXX and XXXX. None will accept the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/ i go into the credit union and ask what the total is too pay off my debt, they tell me that I owe {$600.00} and reassure me that my payment via wire transfer will be sufficient enough. 
XXXX XXXX XXXXXXXX i made a domestic wire transfer of {$600.00} to pay off my line of credit debt with America first. 
XX/XX/XXXX, XXXX America first credit union sends me a letter, it goes too my old address so then it gets sent too new address in a different state. it io saying that for some reason i still owe XXXX dollars with a XXXX dollar monthly fee. 
since i live paycheck too paycheck this is incredibly frustrating. i feel taken advantage of and scammed. regardless of what debt i owed, that shouldn't mean banks can just take advantage of me.. 

and now they put this on my credit history. ugh

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check totaling {$8000.00} into a PNC Checking Account on XX/XX/2023. The receipt that I have from the transaction has a " Business Date '' and " Calendar Date '' of " XX/XX/2023 '', implying that I would have immediate access to the funds. I attempted to use the funds yesterday ( XX/XX/2023 ), resulting in an overdraft. PNC shows a " ledger balance '' reflecting the {$8000.00}, but the " available balance '' does not. It has been this way for XXXX business days now, and I do not know why. 

The funds have disappeared from the source account- and I'm not allowed access to them in my PNC checking account. I am trying to find time to go to a physical PNC branch, but it requires taking time off of work. I really need these funds to pay bills and it should not be permissible for PNC to hold my money like this with no warning or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation