BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2019-08-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a company I did work for paid me my wages through PayPal to which I then initiated a bank transfer which was advertised to take 24 hours. On XX/XX/XXXX I didn't see the money in my bank. I called my bank to see if it was pending, and they informed me that nothing was in the " warehouse '' pending to be deposited into my account. I called PayPal and was told it could take upwards of 3-5 business days, even though it doesn't say as such on their website. 

I called again on XX/XX/XXXX after still not having received my money and was told they would initiate a trace to see where the money went, and that they could start that 7 business days after the money was supposed to have been deposited. I called back on the XXXX of XXXX ( 7 business days later ) and was told I would have to wait another day to initiate the trace. I called back on the XXXX and was told the trace could take anywhere from 24-72 hours. 

I called back the XXXX, still nothing. Called back the XXXX, still nothing. Called back the XXXX, and still nothing. Later in the day on the XXXX I called and told them I wanted an answer, to which I was told that the trace showed that the money was in my bank and there was nothing more they could do. Now, each time I called PayPal- I called my bank to see if anything had dropped. So I was quite familiar with everybody on my banks end, and there was nothing they could do because the money hadn't even made it to their " warehouse '' ( aka Automated Clearing House ). 

I then conferenced in my bank to tell the supervisor at Paypal, XXXX, that the money isn't there. He asked to speak to a manager, who also told him that the money wasn't there. He then asked to speak to their ACH department, to which he was told he couldn't. XXXX then informed me that since the money was gone from PayPal that he couldn't do anything and it wasn't PayPal 's problem anymore. He then told me, after 3 hours of being on the phone, that he would initiate a withdraw trace to get my money back, which could take 3-5 business days. 

It has now been 3 of said 5 days, and I called for a status update ( since they don't update me themselves ) and was told I would have to wait the full 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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 am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated10-4-2023 as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter.

Despite my efforts to resolve this matter directly with Equifax, the requested action to exclude this information from my credit report has not been completed. I believe that Equifax is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Equifax for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter dated XXXX as evidence of my efforts to resolve this issue directly with Equifax. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax is reporting inaccurate and unverifiable public record information about me on my equifax consumer credit report and file. These unverifiable bankruptcies are listed on my equifax consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for Equifax to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Equifax is violating my federally protected consumer rights. In addition to that violation Equifax is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give Equifax neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day Equifax RECEIVES this demand. Should Equifax choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX went through a tumultuous divorce and then became very ill. As a result, she fell behind on her mortgage and now is facing a sale date on XX/XX/2018. She has since got back on her feet and works as a caregiver and also collect rental income. She can maintain the mortgage payment and need only a loan modification to bring her current, giving her a fresh start. She will be submitting a full assistance request to Select Portfolio Servicing attached to this complaint with the CFPB. XXXX XXXX will also be enlisting the aid of her Congressman in regard to the postponement of her sale date. 

XXXX XXXX requests that the sale date be put on hold while her new assistance request is under review, per the California Homeowners Bill of Rights and Dual Tracking : Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: SC
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.

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 2018-04-11
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.

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 2023-10-20
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2023 Received call from CPC from phone # XXXX. I looked up the phone number saw it was a debt collection I immediately knew they had the wrong number. I called them back and asked them to remove my number. I told them if they did not I would file a complaint. 


XX/XX/2023 received another call from CPC This time from XXXX. 


XX/XX/2023 Received another call from XXXX at CPC from XXXX left a voice mail stating call them back at XXXX ext. XXXX. 


The action taken by me, was to block the initial call after I told them not to call. All are appearing in my blocked messages. I did not call back again. As I already asked them back in XXXX to remove me which they said they would now it is starting all over again they call at all times of the day and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I hired XXXX XXXX XXXX. So far since XX/XX/2022 they've settled only XXXX of XXXX and are in process with a second now. The third is XXXX. XXXX owed. They have summoned me to court they threatened to XXXX my house. My daughter is on it too that will effect her! They want all of the money and I can not do anything about it. I don't have it. I don't have a car and this fdr should have settled this for me. But they didn't. Their " legal '' department is doing nothing they want the money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 amount XXXX I was told my account was on hold plenty of times then all of a sudden my money was taking out my account chime told me to dispute it and I did they declined my dispute then they closed my account after several times my account got put on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I received a text from Moneygram indicating that I had been sent money ( from a friend, I was expecting this notification ). XX/XX/XXXX and XX/XX/XXXX I  went to three different locations listed on the website in the XXXX   virginia area -- none of which were working ( all CVS ). Because my mother is ill I came to Ohio. XX/XX/XXXX I went to the Moneygram website and found the listed locations in Ohio. I first tried XXXX -- they said they were planning to be a money gram site but had not yet gotten activated. XX/XX/XXXX I then went to local CVS. Their money gram was up and running., Despite the fact that I had the senders name, my name, the amount, and the 8 digit confirmation number, my request was denied because ( 1 ) I didn't know the middle name of the sender and ( 2 ) "  the money was sent to Virginia , not Ohio '' The person that I talked to could not help me further. The instructions in the text I received were to bring my driver 's license and the confirmation number. I've asked the sender to cancel the transfer but I don't know if he will be able to do that. 
Moneygram should not post on the website locations that are not actually operational. Further Moneygram should not advertise itself as a national/international transfer organization since it can't handle interstate transfers appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CL Holdings LLC
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's Jefferson Capital that is suing me but when I contacted Jefferson Capital on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called XXXX XXXX XXXX where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have XXXX and had to get an extension on my loan which they graciously did but they told me I wouldnt be charged interest and they did and they gave me a poor credit score saying I was late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  # XXXX, DEPT OF ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 an 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 then records of convictions of crimes which antedates the report by more then 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 non-monetary relief