BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
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 a victim of the Equifax Information Services, LLC data breach ; since last year XX/XX/2022 I noticed numerous negative items on my consumer credit reports. The negative items were chargebacks, collections, late payments, hard inquiries that were fraudulently reporting. I hired a credit repair agency named XXXX XXXX XXXX and paid them approximately {$5000.00} to repair my credit which was unsuccessful. I have been denied numerous lines of credit, extensions of my credit which has cost well over {$20000.00} in out-of-pocket liquidated expenses because I do not have access to extensions of credit. I have sent a first and second notice to Equifax Information Services, LLC to remove all negative items on my credit report effective immediately. I have also reported fraudulent hard inquiries on my credit report to the Federal Trade Commission. I am attaching my FTC report, my proof that I am a victim of the Equifax data breach as per the Equifax data breach settlement website, credit repair agencies 's first and second agreement invoicing my payment installments, and the first and second notices sent to Equifax Information Services, LLC to remove all negative/incorrect items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all 3 bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet XXXX and Transunion refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the XXXX and Transunion have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies XXXX and transunion refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am very dissatisfied with my Mortgage Servicing company, Gregory Funding, XXXX. 

I have extensive damage in my home due to a hurricane. It took me 3 years of legal action to get my insurance company to settle out of court for the amount of the repairs. 

The settlement check was cut in the middle of XXXX to my mortgage servicing company and they have yet to pay out any amount of the settlement as they have been instructed to. 

When I or my attorney 's office try to call we are kept on hold for sometimes over an hour. When we email them, we get no response. 

How can a company be allowed to operate like this? The worst part of this, is that we didnt choose to work with this company. Our mortgage was sold to them and they were forced upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received.

7. I am also requesting the deficiency notice that you were suppose to send to me that I never received.

8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MI
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:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
One day XXXX i  called to check account had money i it i asked why it was closed they said you havent used it i said theres money in it im not sure how much they said theyd send a check they never did. i had a XXXX XXXX XXXX  acount that had no fees and couldnt possibly go negative wheres my money from 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 2022-03-22
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nationwide Recovery cals my cell phone MULTIPLE times a day. Each time they call I explain that I am not able to pay the debt right now, and ask them to please stop calling as they are interrupting my day at work or with family, and causing me undue stress. They are relentless. They literally call me close to 10 times a day, every day, including weekends. This has been going on steady for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2023-11-27
Company: EQUIFAX, INC.
State: IL
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:
XXXX, Equifax and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

XXXX Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) Equifax XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: AZ
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 disputed with Experian Credit Bureau, my credit report that is reflecting, XXXX XXXX XXXX as closed written off. I disputed this item and the problem was not fixed on XX/XX/2021 and XX/XX/2021. 
I have settled this account as full and provided Experian with the settlement letter. This should reflect as, >Account paid in full ; was a charge off<. Since it was a charge off they are claiming that the account is not satisfied. I have provided all necessary items of the settlement letter reflecting satisfied to all three credit bureau 's. XXXX  has done a wonderful job at updating the pay status to : >Account paid in full ; was a charge off< and left the remarks as is. I am still waiting for the proper time with XXXX  and their process time. However Experian will not acknowledge my documented proof that the account has been satisfied.

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 2023-10-11
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX a received money on my PayPal account from a XXXX XXXX. i asked him what the money was for and began looking into Paypal scams. immediately i found that people sometimes send money and then ask for a refund at the same time canceling the transaction which lead to the getting paid twice. i did not send the payment and i alerted PayPal. i let them know that i had not sold him anything and that this was a scam. i do not sell anything on my PayPal. it is a private account i have had since XXXX i use it to pay bills and make secured transactions. in XXXX through my business website which was created by XXXX  and payments are powered by XXXX. i opted to accept Paypal as a form of payment in XXXX and somehow it then started sending payments to Paypal instead of to my business account which i did not sign up for. PayPal is now holding {$1600.00} dollars of my funds against my will, written instruction and consent. these are violations of my rights and the law. This isalso a breach of contract, a violation of paypals own by laws and multitudes of State law. this is unjust enrichment, conversion, false and misleading practices, deceptive trade practice, fraud, unfair business practice. there are multitudes of MN state violations as well. including but not limited to the MDTPA, MCPA, MDCPA, MUCC and multiple violations of the MN bill of rights. Due to the nature of these violations PayPal would be liable not only through its own arbitration agreement but also to the FTC, CFPB, SEC, IRS, MN attorney general and several other authorities. I am hoping to cure this matter in an effective and efficient manner. Paypal will absolutely not hold my money for 6 months. this will be considered opportunity to cure any further violations shall be deemed as willful. i am giving 7 days to release funds and return my account to proper standing or else i will be forced to pursue all methods at my disposal. Paypal is registered with the IRS and the state of Minnesota and this mean the agree to abide by the rules i expect immediate compliance. i would also like to note that Paypal does not have certificate of authority to transact business in several states and annual renewals are overdue. the account in dispute is account id XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account was closed many years ago. I paid for as long as I could and then due to a family medical emergency we were unable to continue payments. Im 2020 the account was finally charged off and my ex husband and I paid taxes on the charged off amount because it is considered income. Now two years later I received another form from Bank of America that was reported to the government that said once again I had to pay taxes on another charge off of over XXXX. In turn not only did I not receive a tax refund for last year but I myself ( because I am divorced now since XXXX of 2020 ) had to pay the government over XXXX. I am very confused and am unable to get anyone at BOA to help me resolve my issues. I feel as if they have cheated me not once but twice. I also do not understand why none of this shows up on my credit report as well. I am also unable to access my accounts from them, not just this credit card but the mortgage account we had linked to it at that time as well.

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