BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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:
I have been a victim of Identity Theft and the item I am disputing does not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the item was never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXXXXXX 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 2023-05-01
Company: Experian Information Solutions Inc.
State: DE
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:
To whom this may concern at Experian, 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 Account number. XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX POWERED BY XXXX {$790.00}, XXXX {$180.00}. 

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. am not in dispute of the ownership of the account but it you are unable to 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 Reserved

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 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Hi there, My wife and I are relocating from XXXX to XXXX. We went out there XXXX XXXX found a home we really loved. Come approx XX/XX/XXXX XXXX we started the reapproval process with XXXX XXXX of CMG Home Loans " XXXX XXXX XXXX '' who was the preferred lender of XXXX XXXX. This is our first time ever dealing with a preferred lender as is our first time buying new home construction. The builder was offering incentives so we went with CMG Mortgage and started the pre-approval process. In order to go under contract we had to put down XXXX of earnest money to hold the lot. We were told that we would be locked in at a 5.75 % interest rate which we thought was good at the time, because we know interest rates were rising. As we get closer to the close date, we had to do another credit check and the numbers were reconfigured. We then received quotes showing that the interest rate went up to 7.625 %. It wasn't until we pushed back that they made a " last minute deal '' and then all of a sudden gave us the original interest rate, by then we had already spoken to lender that our real estate agent has done business with for years and he said we were XXXX XXXXXXXX from  every angle and the fees are astronomical. It was a that point we knew we were dealing with dishonest people for the biggest transaction of our life, we no longer wanted to do business with other one of them because of how dishonest they were. Now my family is without a home, down XXXX that the builder will not release all because of a greedy loan officer who thought we were too stupid to know what was going on under our nose. Our real estate agent pleaded with the builder to get the money back and we had no such luck. If it wasn't for the lack of transparency and communication, we wouldn't be down XXXX that we could have put going elsewhere. Now we're trying to figure out our next moves and hope and pray we don't get taken advantage of again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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:
I submitted a dispute with Experian, XXXX, and XXXX on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.

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 2023-08-10
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have never had XXXX. i was victim of identity debt i have told them that serval times.

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 2023-04-10
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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 iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a 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 explanation
Consumer complaint received 2024-01-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
1099a was sent to ally with no response more than 120 days ago. please see attached copy

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 2022-08-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asaw money laundering going on in my name with Citizens Bank, I reported it & then saw activity going on in my name on XXXX computer screen & a HELOC I never used & took in myXXXX, I reported Citizens Bank, they came up with another amount of money I owed like in XXXX XXXX through XXXX I paid but hit hardasing phone calls saying I did not! I sent Citizens my bank statements, their statements & the checks cashed by Citizens proving I paid, but a few weeks later I got another letter saying I didnt pay after getting a letter saying sorry for the inconvenience! Citizens sent me a letter proving my point that my mortgage has been paid d sad ice XXXX ( because thats the year B I calculated & other legal agencies told me it has been paid. Once XXXX! I also Paid 4-6 times additional payments each year! A letter proving someone else has all my information was sent to me from the Office of the Chairman The individual put my entire social security # in the letter, said they look forward to doing further business with them & Im a XXXX XXXX  not in business as the letter refers & the signature is not mine!!! 
Cituzebs also has the date I purchased the home in XXXX & I have been living here as I bought on. XX/XX/XXXX! I got a HELOC I NEVER USED IN XXXX, Citizens writes XXXX & a mortgage loan in the amount of {$120000.00} also in XXXX which I didnt get & I was a victim of identity theft & as a result my credit score in XXXX Was a XXXX! Therefore all Their information is wrong & i keep getting letters saying they are escalating to the Office of the Chairman! 
I sent all proof to two ( 2 ) offices certified mail/return receipt requested & neither office received what I paid {$36.00}!? I also sent to t he r CEO, Executive Director & he coincidentally didnt get it at either addessss I sent evidence! 
I was to Told a para-legal, who is the only person I heard from is investigating for 6 years!? Every other bank in the country sees y if theft & fixes it except Citizens! I paid off my house in XXXX &, due to their illegal banking, I paid until XX/XX/XXXX! 
XXXXI put there were missed because according to what Citizens Bank writes, they say I Owe until XXXX & I oit my mortgage in XXXX & stopped Payments in XX/XX/XXXX overpaying approximately {$150000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: RI
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:
Numerous accounts that are being reported are inaccurate and incomplete. Disputes say theyve been verified and updated based on previous investigations, never told how they were investigated or what they had for documentation. Accounts have numerous times had to be updated because they were not accurate or complete but they still say theyre verified. Accounts that clearly show that they violated collection and reporting laws either remain on the account or as of today 2 of them that were removed have been reported again. I have hundreds of pictures showing past and current credit reports and the investigation alerts proving this. Along with Experians own notices saying the accounts were removed and then the notices of them being reported again. None of them have it published anywhere that theyre disputed, and this has been going on for almost 8 years now. This has been causing all kinds of problems between housing, financing a vehicle for work, financing and starting of my business, financing cellphones from companies that have fraudulent accounts that I have reported and no matter what I do my credit report keeps getting worse instead of better because of this companies extreme lack of duties to investigate the disputes and failures to verify accounts that are being reported.

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 2023-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle for what I thought was XXXX financed through credit acceptance corporation. However I did not know that my interest rate was XXXX percent which made the total purchase amount around XXXX. I purchased a XXXX XXXX XXXX used with around XXXX miles. I had to request a copy of my vehicle agreement because I didnt understand how I was paying XXXX a month for 72 months in XXXX which they never sent me the documents from the beginning. XX/XX/XXXX my vehicle was totaled. I had XXXX coverage through the lender. The other young lady insurer paid around XXXX and XXXX picked up the rest of the original loan amount before the interest rate of XXXX percent. However XXXX acceptance has been reporting missed payments and a open loan status for this vehicle ( XXXX XXXX ) and another vehicle ( XXXX XXXX ) that they also financed me for in XXXX that was also totaled and the insurance company paid off. This company has blocked my access to the account history because I contacted my state attorney general here in North Carolina about how they were doing fraudulent acts and keeping me from obtaining credit or even housing because of those false claims on my credit.

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 2023-04-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company at hand ( MIDLAND CREDIT MANAGEMENT ) is filing tax fraud because they are reporting an account as a charge off. I have requested IRS form 1009 c so I can file it with my taxes and they are refusing to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was not informed that the rewards program was a one time use it or lose it on one purchase. I was never told when I opened the card, it's not anywhere on the Rewards portal when you login. I had {$580.00} in rewards. I made a {$330.00} purchase and should have had {$250.00} left in rewards. This is through - Crate and XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX -XXXX, TX XXXX XXXX That {$580.00} was also made up of one {$500.00} rewards balance and one {$80.00} rewards balance. They cancelled both as assumed both were used for my {$330.00} purchase which is not how anyone would ever do that if they had even known about this misleading program. This is extremely misleading and I would argue fraudelent to the consumer and this is not a general use market practice for any rewards program I've ever been a part of. I talked with them on XX/XX/26 about this misleading information and where I could find it on the rewards portal or website and they couldn't direct me there. I was also utilizing their chat thread which says at end of live chat you can print transcript. They said they could not email chat thread which seems like another shady practice. Well, the person switched me back to vitual assistant when I said I wanted to cancel this credit card through this misleading rewards program and then I couldn't email thread because it was no longer a live thread. I just can't believe it with this bank.

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 2024-01-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My experience with Barclays which issues the XXXX XXXX XXXX card was really bad. The XXXX % ARP promotion that I initiated was not fulfilled yet the transfer was completed at the full interest rate and a 5 % fee. The reason given was that the check was used after the date specified. 

Barclays should have rejected the balance transfer since the check used to initiate the transfer specifically for a 0 % promotional offer and no where did it say that using the check after the specified date would automatically trigger a different interest. Barclays completed the balance transfer requested, took a {$750.00} ( 5 % ) transfer fee but started charging me 25.24 % APR on a balance of {$15000.00}. 

By the time I realized that Barclays was not fulfilling its obligation of 0 % APR for the initial period, I had already been charged and had paid a total of {$750.00} in on time fee and {$1400.00} in interest for a 4 month time frame on a {$15000.00} balance transfer. All this is in addition to a {$99.00} annual fee that I pay for this card. 

Eventually I was able to avail the offer from another bank to meet my temporary needs and pay off the balance in full. 

I would like all Fee and Interest refunded to my account.

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 2023-08-16
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I completed a transaction through paypal with a known individual via friends and family that were completed in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that sender of the funds initiated a buyers dispute against me and a paypal case was opened. Roughly 20 mins later Paypal unilaterally decided the case in his favor. Paypal has acknowledged to me that he claimed through his financial institution that all transactions were fraud. Paypal reversed the transactions and are claiming that I have to reimburse them approx. {$1500.00}. I have evidence that the transactions were entered into legitimately and with a known individual. I have XXXX posts, messages, as well as a signed document when he took receipt the games that he reimbursed me for. Paypal has advised me that I have no recourse as the transactions were completed via friends and family and the financial institution issued chargebacks. However, XXXX ( XXXX, etc. ) provide chargeback rights for only 120 days after the posted date of the transaction. These transactions exceeded that timeframe not only of the card processor but also Paypal 's own policy of 120 days from the transaction date. Additionally, although PayPal is not truly considered a financial institution, my understanding is they are still held by government regulations such as Reg E. I would appreciate contact if this is a matter that your law firm would be interested in reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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:
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FINAL WARNING TO NETCREDIT TO STOP YOUR ILLEGAL, FRAUDULENT, UNLAWFUL AND ABUSIVE PRACTICES.

Company response to consumer: Closed with explanation