BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit limit or original amount {$2800.00} XXXX XXXX XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX XXXX .... 
Recent balance {$5400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX Recent balance {$3800.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX Account number XXXX .... 
Recent balance {$1700.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$7300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXXXXXX XXXX XXXX Account number XXXX .... 
Recent balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Address identification number XXXXXXXX XXXX  XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Address identification number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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, 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 2021-01-14
Company: I.C. System, 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:
On XX/XX/2019 the I.C. System INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, I.C. System INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2022-02-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of the wrong persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Informed identity was compromised and to remove debt and was told no! Keep getting calls even changed number. Debt keeps being sold to collections agencys. Account is over 5yrs old. Making my credit be poor even though I have outstanding credit worthiness for a few years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This morning around XXXX o'clock XXXX XXXX I tried to make a transaction to sell all my XXXX XXXX XXXX for XXXX amount of around {$70000.00} and till this moment. That transaction is pending so I am not able to cancel that transaction so I could do another one or I can't do anything with that money cause it's just pending and therefore, I'm not able to put my money into other investments just because they chose to not give me my money back. But when it comes to depositing my money. They have no problem taking it right away. But when it comes to giving you a money back, they take their sweet time. And then tell me that the only way I can contact. Customer service is via email. Which is the slowest form of communication which I think is. So ridiculous when they're playing with my money. And money is very kind of in the moment. Kind of thing cause right now. I probably lost about {$5000.00}. Just be not able to invest in the company I wanted to. And now I have to wait for them to XXXX. Contact me via email instead of just talking to me over the phone, when their customer service reps, don't seem to be able to help with anything but yet the people that I can can can only be contacted by email does that make sense if they're you know conducting business with our money? I think that it should be with somebody in real-time not somebody that's going to answer our questions a day later or half a day later. I want somebody to answer my questions now and help me now. So I can get my money to where it once soot now. Not to, morrow, not the next day. But now. I will not be using the service after this cause. I find it very unreliable that I can't get my money when I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

Bank of America is NOT reporting the current and updated address to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: IL
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've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

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 2022-03-22
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:
XXXX  XXXX XXXX fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

XXXX  XXXX XXXX is NOT reporting the current and updated address to all credit bureaus.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

XXXX  XXXX XXXX is NOT reporting the current and updated address to all credit bureaus.

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 2019-07-07
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They're trying to get me to refinance. I told them I wasn't interested we were going to sell but they continue to call a couple of times a day. An example of calls per day is!. Call at XXXX XXXX   XX/XX/XXXX 2. Call XXXX pm XX/XX/XXXX 3. Call XXXX pm XX/XX/XXXX 4. Call XXXX XX/XX/XXXX 5. Call 3 XXXX XX/XX/XXXX 6. Call XXXX XX/XX/XXXX 7. Call XXXX XX/XX/XXXX 3

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had issues with Navient providing me accurate information about my loan balance. I was told the payment plan i was in was eligible for loan forgiveness after 15 years of repayment. Due to financial hardship, i changed my payment plan to an affordable plan. Navient failed to disclose that by changing my plan, my years of repayment would start over. 

I reviewed my statement and noticed the new loan servicer did not take into account my payments since 2011. I have been making payments for over 10 years, however my balance continues to increase due to capitalized interest and fees. 

When I graduated my Federal Loan balance was {$45000.00}. My balance has since increased to {$67000.00}. There are fees such as disbursement, interest capitalization, and late fees. Please review statements and payments allocation. Hold Navient accountable!! They have intentionally provided us wrong information for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing this account for validation, verification and inaccurate information reporting from XXXX XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.

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 2023-04-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I know that I have a XXXX XXXX XXXX trust that is used to draw funds out for loans, mortgages, etc. I realized that when I gave my ssn on the fraudulent loan that I signed the funds were taken out of my trust fund and not loaned from the bank. When I tried to get them to discharge this debt Ally financial made it very difficult to pay the loan they locked my account and would only accept certified funds. I sent them a money order from XXXX # XXXX {$320.00}. They accepted the money order and cashed it. But they never credited my account for it and they put a notice on my credit report as not being which is not true. It was paid they stole the money. They received it on XX/XX/23 and cashed it on XX/XX/23.

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 2019-04-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Shellpoint Partners, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
CFPB online letter XX/XX/XXXX The years since my XXXX XXXX diagnosis and XXXX in XXXX I have lost my career, after which my husband became my primary caregiver. We declared bankruptcy, XXXX the following XXXX, and eventually secured my XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to one of two addresses listed on the bill. He chose the wrong address, and then sent two payments ( {$1400.00} ) on one check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, Mississippi to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, and again on XXXX, XXXX XXXX our loan officer called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing my ( XXXX XXXX 's three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX, Formerly XXXX XXXX XXXX until XXXX. 




ID FOR COMPLAINT SENT TO SHELLPOINT MORTGAGE SERVICING XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My checking account was unsuspectedly frozen and I was requested to visit Regions bank to verify my identity and they would release the freeze and I will have complete access to funds. Regions have not done so. After the pain and suffering of not being able to access my funds I ordered Regions bank to close my account immediately and send the remaining funds in a cashiers check to the address listed on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SIERRA PACIFIC MORTGAGE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage payments are {$2800.00} plus i pay an extra {$150.00} Principal payment so a total of {$3000.00} monthly. I have it set up with automatic payments. XX/XX/2020 Sierra Pacific started to automatically withdraw more then the agreed amount. XXXX- {$9300.00}, XXXX- {$8000.00}, XXXX- {$8000.00}. When we looked into it we seen that they had started paying taxes on our property, which we were also paying. It turned out there was unpaid taxes from the year we bought the house that the title company had taking money to pay but did not. And then they started putting money into escrow for taxes and paying taxes a month before they were even due. the taxes that we had paid that they tried to pay were returned to them by XXXX. altough they are not showing this online in the escrow account. Also the took out an insurance policy on our property over double what we pay even though proof of policy was sent to them directly from the insurance company. I never received letters or a phone call that they were going to take more money/pay taxes or take out an insurance policy.I tried to contact them by phone but it took weeks before i could even speak with someone. when we did get to speak with someone, I 1-asked for proof that I had given them permisson to withdraw more the the agreed mortgage monthly amount 2-we pay our own taxes so to stop what they were doing in regards taxes and refund the money they had taking into escrow. 3- refund the money they had taking for the insurance policy.we started emailing XX/XX/XXXX with the 3 issues. We got letters in the mail stating they received our inquiry and they would make every effort to provide a response within the time limit required by law. they have only emailed back and answer on the insurance ( 4 times we emailed all the evidence of proof of insurance ) saying they received and allow 10 days for a reply. this has been going 6 weeks and not one issue is sorted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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