BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage in halves because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and because I get paid every other week. So like every other normal American mortgagee, I'm doing it in a way that works in my budget. Furthermore, I had fallen behind in XXXX and when I was sending payments, they were not being cashed ( putting me further behind ). So - one day they sent me a bunch of my payments in XXXX and told me I was in foreclosure. I took money out of a XXXX and paid off the outstanding amount with TREMENDOUS fees and here I am - back in my mortgage. 

I paid my mortgage in XXXX. Then I paid the first half of the XXXX payment on XX/XX/XXXX. I paid the second half of the XXXX payment on XX/XX/XXXX. I noticed that my account was still saying I owed my XXXX payment- which is INACCURATE. I tried calling- never could get through ( XXXX minute hold times ). I tried XXXX about the misapplied payments and kept getting canned replies to telling me to provide proof of payment. I would reply and get the SAME RESPONSE BACK ( to provide proof of payment ). I then tried calling AGAIN - XXXX min hold time, but I gave my number for a callback ... .callback never happened. Then here we are a week later, and I get a call from the mortgage company - so I answered only to get a recording telling ME TO CALL BACK. I'm at WORK, mind you. So I got up from my desk and found a conference room to make the callback. I sat on hold for XXXX MINUTES ... XXXX. Only to get someone who COULD NOT FIGURE OUT WHAT THEY WERE DOING WITH MY PAYMENTS. So I said I could not sit on hold while she looked at it any longer- I needed a callback or an email with the information. She tells me " there is no way '' she can do that. My only choice was to speak to her supervisor ... .so I had to sit on hold AGAIN for over XXXXXXXX XXXX. The supervisor tells me that on XX/XX/XXXX, the {$1200.00} I paid that was sitting in reserves was USED to pay some unknown fee that she could not explain to me. She THINKS " it has something to do with the foreclosure. '' I have not been notified of any additional fees ... I paid a LOT in fees to reinstate my mortgage in the fall. So- they suddenly found a " fee '' that needed to be paid that miraculously matched the {$1200.00} I had in reserves waiting for my XXXX half of my XXXX. payment ....??? Sounds pretty sketchy to me. 

So - BIG complaints about how they can not be reached and this is a HUGE burden to people who have to WORK and get their jobs done to pay the mortgage. 
ANOTHER big complaint about how they mismanage the payments ... and suddenly coming up with a fee to charge me that I was never told about??? This seems pretty corrupt to me. 
Now here I sit, with a late mortgage payment because they are 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 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a 1099-C from a Bill Me Later, Inc with the description PayPal Credit . in the amount of {$1400.00}. I have called the number on the form and left repeated messages. I " never '' signed up for this service. I had to XXXX search, what Bill Me Later even was. I do not even have a business that would need a service like this. The first I heard of this was receiving the 1099-C. This creates a problem for me because this is reported to the IRS. Any help in resolving this would be greatly appreciated. 
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 2023-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX and XXXX are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with.

According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it 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 2023-09-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-02
Company: Bull City Financial Solutions, Inc
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: Account information incorrect

Complaint:
I am writing to dispute a collection account that is reporting different dates of last activity on my credit report. The creditor in question is Bull City Financial. 

I have reviewed my credit reports and noticed that this account is being reported with multiple dates of last activity. Specifically, the account is being reported with a date of last activity of XXXX  and XXXX. I believe this reporting is inaccurate and is negatively impacting my credit score. 

According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and complete information about me. The reporting of multiple dates of last activity for the same account is inaccurate and confusing, and I believe it is in violation of the FCRA. 

I have reached the credit bureaus and the creditor regarding and it has not been resolved. I am requesting that this account be deleted from all credit bureaus. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Chime Financial Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 at approx XXXX XXXX., I sent a message to Chime Bank XXXX asking that " XXXX XXXX '' be removed from my Credit Builder account. I received a message regarding that it had to be removed from both my debit and credit account. I asked again to be removed from Credit Builder account since I had the option of adding " Spot Me '' to the XXXX XXXX account 4 months ago. the next Chime XXXX rep to answer, at XXXX est., XXXX XXXX Took it upon herself to close my XXXX XXXX account stating that I had request it. I have had XXXX Supervisors at Chime read the messages PRIOR to XXXX est, and all of them stated that I DID NOT request to have my account closed. I called and there was a ticket no. XXXX, created and sent to investigations as to why my account was closed without request, permission etc. I received a message that because I had a negative balance my account will be reported to Credit Bureaus, thus reducing my XXXX XXXX. 
I have called several time between XX/XX/23 and XX/XX/23 to obtain the status of the investigations and the Chime reps are NOT helpful with providing any information. Beware that they have the ability to do anything to your account without your permission and will mess your scores up intentionally and COMMIT FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All three credit bureaus are not reporting on time and ignoring my letters, XXXX if not all credit information is reported 120 days late no change in accurate information, reporting duplicate late reporting incorrect name, spelling and addresses wrong debt owed not deleting debt owed after 10 years

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 2022-11-11
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Egregious interest. {$1000.00} interest on pace to ballooned over {$4000.00} in 8 month payoff. Fully taking advantage of people like myself when in need. Personally hard working people better than that, Honorable that has put themselves in position to even be able to apply for a loan shouldnt be taking advantage of like this!!! If this is Fair. Everyone needs a Blueprint on this Lending/Loan Company.. Totally XXXX!!!!! Also once I learn interest rates immediately paid off loan. Wasnt able to but it beat the long term interest for a messily {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: NY
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 am writing to bring to your attention an unresolved issue concerning inaccuracies on my credit report, specifically with Experian. On XX/XX/XXXX, I initiated contact with Experian to address the following discrepancies, but as of this date, I have not received a response. The details of the inaccurate information and the necessary corrections are outlined below : The account listed as XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) is not mine. Please remove it from my credit report.

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 2023-12-09
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, Transworld System Inc. popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa 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 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: IL
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:
I name is XXXX XXXX, and I am requesting the negative reporting to be removed from all three credit bureaus. In accordance with the Fair Credit Reporting Act, TD Auto Finance has violated my right.. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account on Tue, XXXX  XXXX when it had a balance of {$11000.00}. I have requested a check for the balance of the account but they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My employer UPS states they sent the direct deposit to be paid XX/XX/XXXX. However, US Bank is stating they do not hold funds & they can't see pending direct deposits. On XX/XX/XXXX I called & was hung up on the XXXX time for being nice around XXXX. The XXXX time they ( XXXX XXXX stated they couldn't open a missing load ( missing deposit ) inquiry until XXXX XXXX. I called back at XXXX & someone else opened the inquiry. She ( XXXX ) said that it XXXX post by end of business XXXX CT. However, before human # XXXX hung up on me she said by close of business it XXXX post, but she couldn't tell me what time XXXX is for US Bank. As of right now, I have no direct deposit of {$770.00}. I regret trying out the US Bank payroll card. Also, it was states that US Bank will research my inquiry which takes one business day. I was advised to call back on Monday XX/XX/XXXX. I don't know why I'm shocked that the government allows US Bank to steal money as if it's not an issue.

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 2023-05-01
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. I was informed from XXXX  that I was effected by the data breech. Now this false information is showing as a charge off which is NEGATIVE on my consumer report.

15 USC 6801-protection of nonpublic personal information ( a ) it is the policy of the congress that each financial institution has an affirmative and continuing obligation of respect to the privacy of it's consumers and to protect the security and confidentiality of those consumer ' nonpublic persona ; information ( b ) furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records : and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvienence to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On my credit report it shows i have 9 inquiries from XXXX, XXXX, XXXX XXXX XXXX. Things i didnt apply for .All the dates are different but mainly the year wasXX/XX/2019! Because of this i cant even get a bank! Then theres another inquiry from PayPal, another thing i didnt apply for.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

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