BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Affirm Holdings, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
tryed updating my phone number to my affirm account and still getting the same XXXX from affirm and when i sent a compliant to affirm this is what i got,,,,, ATTACHMENTS affirm.pdf ( XXXX KB ),,, affirm give us a call, for your security, we need to update your number over the phone, please give us a call at XXXX, thanks for taking this last step, call,,,,, and when i do this, i still get the same XXXX, sending me a sorry XXXX link that does not work, i just called XXXX and still getting the same XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been watching this bank for a while. It appears this bank carries out deliberate and covert unethical transactions towards its customers accounts charging unnecessary fees for transactions as low as {$2.00} a {$36.00} fee charged when sufficient funds were available at the time of the transaction. I contacted the call center on or around Friday XXXX XXXX XXXX approx. XXXX and was told by a supervisor the balance in my account of {$10.00}, which was true. I also asked the supervisor was courtesy pay activated on my acct and he indicated it was and that if items came thorough on the acct deposits would be processed first then debits then checks. THIS IS NOT WHAT HAPPENED ON MY ACCT. THIS BANK DELIBERATELY processed a check in which I was told was ok to be paid in the amt of {$500.00} and would only be access a {$36.00} dollar fee if the item came through as I actually called in to stop payment for it but was told it would be ok to allow my acct to pay it as it was currently set up on Courtesy pay and no issues show it would not be paid as it would be my first time using courtesy pay. This bank paid the check first then and then processed the 2 transactions which the {$10.00} balance would have covered and were also PRESENTED before the check was in written and even deposited for processing, charging me over {$100.00} in fees on items that had sufficient funds to cover and the option available for courtesy pay activated and they decided to REVERSE for no reason especially if there has not been an opportunity to utilize the product COURTSEY PAY/OVERDRAFT PROTECTION.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
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:
All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.

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 2019-06-29
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These Credit Reporting Companies : XXXX, TRANSUNION, XXXX, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX  XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is 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 2023-01-21
Company: Experian Information Solutions Inc.
State: DE
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:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

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 2023-05-07
Company: EQUIFAX, INC.
State: KY
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:
Back in 2021 at company did a hard credit check and I dont know what it is for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company XXXX XXXX XXXX XXXX for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!

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 2021-05-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax made major error when I reported a incorrect 5plus year old item on my report. They proceeded to mishandle the dispute which resulted in a 2nd error dated as XX/XX/XXXX on an account that was paid in full and closed in XX/XX/XXXX. When contacted Equifax did their typical " its not our error '' and blamed it on the XXXX XXXX who owned the completed and paid account in XX/XX/XXXX. 

Credit reporting bureaus make mistakes constantly and then are slow and bureaucratic removing errors. In this case Equifax processed the dispute incorrectly and posted a 60 day late delinquency on XX/XX/XXXX credited to XX/XX/XXXX on an account paid in full XX/XX/XXXX - over 5 year prior. 

Equifax is in violation of the FCRA is posting incorrect information and promptly blaming other institutions for their mistakes and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NV
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:
AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. XXXX XXXX XXXX did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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.

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 2022-12-12
Company: SYNCHRONY FINANCIAL
State: OH
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:
At my demand and with the assistance of an XXXX representative my PayPal accounts were supposedly closed a year ago and no further communications requested. 
The receipt of two scam notifications stating my account was charged ( no account number given ) was forwarded to CFPB in Complaint No XXXX which requested confirmation all accounts were closed iand any information secured. 
Soon after PayPal sent another email about messages waiting on my PayPal account which allegedly don't exist : CFPB Complaint Number XXXX. At that time I requested the company be fined for continued communications and that they cease and desist. 
Now, on XXXX XXXX I receive another notice to log into my non-existent PayPal account which is nothing short of continued harassment ( copy attached ).

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 2023-02-12
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 A medical collection of the amount of {$1100.00} was placed on my credit report. The collection debt was posted by H & R ACCOUNTS INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. XXXX finally posted on XX/XX/XXXX. Two payments have now been made to Caliber - one for XX/XX/XXXX and one for XX/XX/XXXX - both in the amount of {$1300.00}. Caliber switched my servicer to XXXX and did not send/post/apply funds before that transfer of service. This changed happened on XX/XX/XXXX, not allowing me time to get funds rerouted. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent multiple dispute letters to Experian about removing a PAID closed account. however Experian refuse to delete the account. However challenging this XXXX deleted the account and Experian saying its updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA.

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 2021-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account in question : XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, then its not even reporting anything for XXXX or XXXX of 2021, then it started back reporting charge off again on XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX 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.

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 2023-01-21
Company: Capital Accounts, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been trying to reach to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Im constantly being remind of my younger days and its hurting me now. Lost my job and was not able to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to this company in regards to my student loans. this company have violated my rights and also havent responded to my dispute. i have sent them a certified letter since XX/XX/XXXX in regards to the student loans they are reporting on my credit report. i have checked my annual credit report and noticed the late payments on my report but when i look up the law in regards to disputing it states the time of payment is only suppose to be a. transaction between consumer and creditor. meanwhile they have violated by putting a late payment on my report which is damaging my reputation, values and embarrassing to myself and financial institutions that im trying to gain loans with. 

here is the account FED LOAN - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Arbor Professional solution has placed this collection account on my credit report for XXXX this is a billing error. They have failed to provide me copies of validation I have sent multiple validation request to this company. That is viable evidence bearing my signature that i ever owed Arbor Professional Solution. This account is not accurate and should have not been placed on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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: Information belongs to someone else

Complaint:
The things on my credit report are wrong or not mine due to Experian being hacked by XXXX mine and million 's of others, a breach in contract.you have 7 days to respond and if haven't heard back in 7 days I'll take it that all credit has been repaired thank you for you timely response .Thank you for your assistance in dealing with these issues. Respectfully 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 2019-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had another USAA member send me {$4000.00} on XX/XX/19. He asked to purchase bitcoin from me. I am a well known investor in bitcoin and I have a great reputation. Anyway, I didn't want to do this as a member to member transfer, but a wire. 
Eventually after he sent me a drivers license and selfie, and called me from a registered landline, I agreed to it. He was of clear mind, not intoxicated, and knew what bitcoin was. He said he wasn't purchasing it for anyone else. 
USAA only allows members to send up to {$1000.00} using XXXX by the mobile app. In order to send {$4000.00} to another member, he had to call in and get verified by USAA. They do this by sending a text to his phone and having him read the numbers back. 
The money was transferred to me, and I released the bitcoin to him. 

The next day, I called into USAA because I was worried maybe someone might have been running a romance scam with this guy or doing something else shady. If he had been scammed in some way, I didn't want him to lose any more money. He had around 25-30K in his account and I didn't want him to lose it all. If he was really scammed and not of sound mind, I would even send the money back. 

USAA however, chose to be dishonest with me. They came back me and said, " The member said his computer was hacked and that is how the money was transferred ''. 
This is not possible, USAA is covering something up. 
They chose to close my accounts and stop doing business with me over this money transfer. In this case, I would like my {$4000.00} back. Otherwise I will sue for it because I only authorized return of the money in case of a scam, not lies saying his computer was hacked. If his computer was hacked, the most he could have transferred was {$1000.00}. He called in on the phone, got thoroughly identified by USAA and the agent transferred the money to me. 

I don't mind returning money when someone is being taken advantage of, but clearly I am the victim here of a scam ... .One in which USAA has chosen to take the scammer 's side for some reason.

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