BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: American Credit - Credit Repair Centers
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I sent American Credit Repair a written request for proof of their surety bond and registration certificate from the California Department of Justice. I sent my written request via e-mail, however, the company willfully and deliberately ignored my request. I have the e-mail chain as proof and the e-mail was successfully delivered and sent to their correct e-mail address. XXXX XXXX responded through a previous CFPB complaint admitting they were in receipt of my e-mail complaints to their corporate e-mail address. It is against state law to conduct a credit repair company without : 1 ) a {$100000.00} surety bond filed with the California Secretary of State and ; 2 ) apply for and receive a registration from the CA DOJ. Violation of each is a misdemeanor. Moreover, American Credit Repair indicates in their contract that theyre a registered non-profit 501 ( c ), however, there is no record of not for profit status with the IRS XXXX This is also against federal and state laws. Additionally, on XX/XX/XXXX, there were 11 illegally posted credit repair advertising signs posted on government property without a permit. This is a misdemeanor in California. American Credit Repair is also illegally affixing their advertising signs on telephone poles. We have photographs as evidence and percipient witnesses that signed under penalty of perjury that these illegally posted signs are new and recent. In XXXX and XXXX, we filed complaints against American Credit Repair for the same reasons on innumerable occasions. The owner XXXX XXXX, is knowingly and willfully, systematically violating federal and state consumer laws. I also called the company and asked they cease and desist their illegal adverting, however, employees XXXX and XXXX disconnected the call attempting to escape accountability. Disconnecting a phone call on a member of the public is poor customer service. It was egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
Description X In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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.

Chapters

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 2022-02-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried numerous time to resolve the issue with the mortgage lender directly and are denied with a reasonably explanation. The issues for default were out of my control due to loss of income, separation, and then later covid 19. I had to resort to bankruptcy and and was making payments under XXXX  XXXX plan until covid happened and I was unable to maintain all payments current.

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 2021-07-07
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I deposited a USPS money order into my account at M & T Bank, XXXX, Maryland. 

Since then I have not had access to my funds as they are not available, even though M & T Bank 's letter of XX/XX/XXXX stated that my funds would be available in five business days. This letter was quite offensive and basically accused me of the unlawful act of passing a fraudulent financial instrument. Moreover, M & T Bank 's app and website both state that my funds are available. 

Unfortunately, I reasonably relied upon M & T Bank 's multiple patently false and misleading statements about the availability of funds my M & T Bank account. These false statements regarding the availability of funds in my account were published in its offensive written communication and on both the app and on the website. Customer service also " promised '' me that my funds would definitely be available on the morning of XX/XX/XXXX. 

Therefore, having a reasonable belief that these false and misleading statements from multiple M & T Bank sources were true, I have twice attempted to transfer funds to my other bank. I am unable to complete the transfers and have received additional offensive emails stating that fraud has probably occurred on my account. All this because I had an entirely reasonable belief, based upon M & T Bank 's false and misleading statements that my funds are available ; and was simply attempting to transfer my own funds to my other bank. I called customer service at M & T Bank and was informed that my funds are not available as a hold has been placed on my funds while M & T Bank does a " fraud investigation. ''

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 2022-05-25
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We would like to file a complaint about Chrysler Capital and request assistance in resolving a title issue with our XXXX XXXX XXXX. Chrysler Capital was listed as a second lienholder while our vehicle was titled in XXXX, even though we never owed them money. The car was financed through XXXX XXXX XXXX and is fully paid off. On the XXXX  title, there is a stamp next to the XXXX  XXXX XXXX line item, clearing that lien, but not next to the Chrysler Capital line item. 

In XX/XX/XXXX, we moved to XXXX  and upon trying to register our car, we were told we could not because there was no indication on the title that we did not owe anything to Chrysler Capital. Since XX/XX/XXXX, we had called Chrysler Capital numerous times to request they send us documentation to indicate we do not owe them money. While the agents we called tried to be helpful, there was never any continuity between calls because the agents told us we dont have an account with them, so there is no ability to follow up on any of our requests, leading to no progress on resolving our issue to date. The agents have provided us email addresses and a fax number, both of which we used to send our supporting documents for our request. We were able to confirm that they received the needed paperwork and were told a letter would arrive in 24 to 48 hours, but nothing has come of our efforts almost two months since that last attempt. 

This has been frustrating because it has resulted in unnecessary work on our end, including trying to find a lawyer to persuade Chrysler Capital to act, as well as preventing us from being able to sell our car. It has also resulted in us needing to pay personal property taxes in XXXX  on our car, despite no longer living there. As of XX/XX/XXXX, we were able to register our car in XXXX, but our title still has not been cleared of the Chrysler Capital lien holder. 

We would like Chrysler Capital to send us an official document indicating we do not have any debt with them so that we can remove them as a lienholder from our title. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. 

I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. 

These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.

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 2023-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Request for Assistance in Removing Incorrect Information Credit Report. 

I am writing to : XXXX. Requesting that you investigate USAA practices on which households ( by race and zip code ) they granted XXXX XXXX forbearance. 

XXXX. Your assistance in removing late payments from my credit file as reported by USAA Bank. In XXXX of 2021, I notified both USAA and XXXX XXXX of a financial hardship because of XXXX. XXXX XXXX promptly replied and placed my accounts in forbearance for ( 3 ) months, then an additional ( 3 ) months. I contacted USAA via phone and letter requesting the same XXXX forbearance request. My account was in good standing and my credit score was over XXXX. Even though USAA had also posted on their website for members to contact them if they were experiencing a XXXX financial hardship, I was treated with very unfairly. Instead of working with me during the hardship, USAA reported late pays, threatened a short sale or foreclosure. 
After contacting XXXX XXXX in XX/XX/2021, USAA finally agreed to modify my Loan. I returned to work in XX/XX/2021 and able to resume payments. 
I believe USAAs reporting is inaccurate and damaging to my credit score. I have tried to resolve this issue with USAA, but they have been unfair. I am now turning to you for help. 
I would appreciate your assistance in investigating this matter and taking appropriate action to correct the inaccuracies on my credit report, as reported by USAA. I have included all relevant documentation, including my original request for XXXX forbearance and my load modification agreement. 
Thank you for you time and attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: NY
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 have pdf all papers from every negative account on my credit report neither XXXX, Experian, and XXXX has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these XXXX major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!

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 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I disputed information on 2 accounts same company XXXX XXXX XXXX XXXX, transunion removed one but not the other XX/XX/21, see attached letter, both of the accounts are over 7 years and should be removed,

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 2023-03-22
Company: EQUIFAX, INC.
State: CO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-05-12
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: AL
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 convergent XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I tried to place a Security Freeze on my credit account on-line with Experian. Every time I tried to place the freeze on my account I received a message telling me that Experian could not process the freeze based on the info I provided and instructed me to send in a bunch of info, which is difficult since I am out of town. Using the same information provided to Experian I was able to easily get freezes on my accounts with XXXX and XXXX XXXX. 
Trying to contact Experian on-line is impossible as Experian does not give out any electronic address one can use to file a complaint or ask questions. 
Because of the XXXX XXXX breach that surfaced the other day, I am concerned that some of my information may have been compromised. That is the reason I wanted to freeze my account. 
I have tried to tell Experian I will hold Experian personally responsible for any damages I incur as a result of their dilatory action in placing a security freeze on my account. When calling Experian, the first question the computer asks is for ones SSN, which I am not comfortable giving out over an unsecured line.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
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 currently have three fruad accounts and inquiries on my credit report. 


1. XXXX XXXX {$760.00} 2. XXXXXXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$750.00}

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 2 emails around XXXX saying that an application for checking account with Bank of America was submitted with another email 2mins after saying that it has been approved. When I checked my bank account ( I have an existing account with Bank of America ), I saw a checking account created ( with {$0.00} balance ) without requested by me. Since then, I have notify Bank of America to close the account and start an investigation.

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 2019-02-08
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 ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX   XXXX XXXX XXXX XXXX XXXX {$1900.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 i recieved my first paycheck from my employer, a temporary staffing agency named XXXX, via the comdata paycard they gave me. I was a new employee. Advised by XXXX that I would need to fill out a new application etc. I had not been affiliated with them in many years. On my pay day I noticed that Comdata took {$8.00} from my wages. Per Comdata 's agents this money was taken from me because of a past due 6 years old debt that i didn't know existed that originated in XXXX. I am now in XXXX. Comdata had not notified me of any debt to my knowlege. I contacted comdata and the nightmare began. i spoke with several different agents to only be hung up on continously by XXXX agents while i was still speaking and one agent in particular, a supervisor by the name of XXXX, taunted me continuously by saying i should " Sue Comdata '', implying that would be the only way to have my stolen funds refunded. I was also given conflicting information about the alleged debt. On XX/XX/2020 I spoke with XXXX, an agent from Executive Support, who was immediately hostile, angry and rude with me. XXXX inferred i was lying and said that phone records show i was told the money would not be refunded. However i was never told the money would not be refunded during my calls and in fact, an agent from Support named 'XXXX  ' stated a request had been made to the backoffice to refund the {$8.00}. After being accused of lying by Executive Response agent XXXX and after i had asked to be escalated higher and rebuffed by XXXX and told there was no one i could speak to higher than her - i requested to be given the name and address of Comdata 's registered agent - which by State law they are required to give - and XXXX did not provide this. Comdata has been deceptive in its dealings with me by lying in wait, for 6 years, to collect a debt i had no knowlege of in XX/XX/2020, without any notice and this violates Section 5 of the FTC, as well as numerous consumer protection laws through the state and Federal Government. I had a right to be notified of this debt before my finds seized and I had a right to contest the debt. XXXX lied in wait for me for years and seized my paycheck when the opportunity arose. Completely blindsiding me.

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 monetary relief