BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : DEPTEDXXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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.

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 2022-03-08
Company: Carvana Group, LLC
State: GA
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:
Continuous errors on Carvana 's behalf. My vehicle is jointly owned. Originally, they only had 1 owner on all the paperwork. Caught that mistake, had to send all paperwork back out to be corrected. They've issued me a temporary extension ( tag ) which is not valid for the State of XXXX. I learned this via State Trooper on XX/XX/XXXX. The current extension is for the State of XXXX ( Their base ). Purchased my vehicle on XX/XX/XXXX. Its been 3 months and I have yet to receive my registration nor can they issue me an extension on my currently expired registration which means I have a car I am currently making payments on which I can not legally drive and I have been driving my vehicle without a valid tag for all 3 months. I am in the XXXX. The military does not take transportation issues as an excuse. Their solution is to have me continue to wait on the registration department and a {$500.00} rental reimbursement which will take another 45-60 to receive. {$500.00} doesn't even cover a rental for a week. The perfect solution would be my registration, expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX, KS XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX ( Original Creditor : XXXX- XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$440.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-02-05
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I filed paperwork to initiate a brokerage account transfer to move from Robinhood to XXXX. On XX/XX/XXXX, I checked in with XXXX regarding some fees that I had nearly incurred. That issue was resolved. In the process of resolving that issue, I learned the root of the problem had been a fraudulent report from Robinhood that my account with them was negative and the balance needed to be resolved. This also led to Robinhood rejecting the XXXX request. 

Robinhood customer support has not been responsive and has claimed that the negative balance was an error, but has not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We have an escrow account to pay our property taxes and insurance. On XXXX Mr. Cooper, aka : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called our insurance company, XXXX XXXX XXXX insurance to request " evidence of insurance '' and there was no answer. The policy expired on XXXX. As I was speaking with XXXX in the insurance tracking center of Mr. Cooper, when I asked her why the mortgage company didn't attempt to pay the insurance policy until less than XXXX hours before it expired, surprisingly she disconnected the phone call. 
Our mortgage company failed to pay our insurance policy and got it cancelled, then had the audacity to tell us that WE FAILED keep insurance on our home. Subsequently, they purchased a different, and substantially more expensive policy with less coverage which caused our payment to go up. We are XXXX XXXX XXXX and retired and can not afford to have this burden. Please help us and let us know what remedy is available to us. 
Thank you. 
XXXX  XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
They are charging me XXXX interest on a XXXX balance without any notice. They are charging deferred interest on the entire balance since XXXX even tho the balance was already paid partially off. only XXXX should be charged interested they are charging interested on 30 months of the entire purchase from XXXX to now even tho some payments were made. They also said there was no way to apply to older promotion balances only online unless we call every payment and tell them to apply it to older promotional balance.

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
Consumer complaint received 2019-01-06
Company: ACS Education Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX XXXX XXXX ( XXXX ). I have all payment history from the date of XXXX ' purchase but would like the prior seven years ' worth of history from Conduent. 

Payments began XX/XX/2006 and I've deferred for 18 months ( non consecutive ) throughout that time, making minimum payments and above for approximately 120 months. To date, my original principal balance of XXXX XXXX has been reduced by XXXX XXXX. I need to confirm accuracy by reviewing the history in total, as the original schedule was set to be paid in full after 120 consecutive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: WI
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

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 2021-09-02
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an unauthorized charge in the amount of {$190.00} XX/XX/XXXX on my PayPal account. I reported this immediately to PayPal and expected that they would resolve the issue, as they advertise : Report it within 60 days of when it appeared on your statement and if unauthorized transactions are eligible, you wont be held liable. 

The unauthorized charge was from a merchant where I had cancelled a free trial in writing on XX/XX/XXXX and advised PayPal of this. PayPal concluded that it was an unauthorized transaction in part of their correspondence, but then they state that I am on my own to try to recoup my money ( which was charged through PayPal Credit ) from the merchant. 

Please help me resolve this issue and correct PayPals misleading claim of zero liability for unauthorized charges.

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 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: MN
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:
I had a XXXX XXXX XXXX that was changed to a gap barclays card in XXXX. I had one revolving charge to XXXX for a subscription service. I was told to pay off the balance on the gap visa as it would change to XXXX. My account statement was zero except for the reoccurring XXXX prime change. I changed the credit card to pay XXXX via a different card so as not to incur charges on the closing card. Barclays still changed me for the month of XXXX even though I had already paid it. They said XXXX must have taken 2 payments. All of my records do not support this and I called XXXX and there payment history was correct and I had made the XXXX payment with a different card. I have called Barclays 3 times. In XXXX, they told me the charge would be removed on the XXXX statement. In XXXX, I was told the statement would be zeroed as was correct on the XXXX statement. In XXXX, the statement now has added late charges. I had to speak to 3 people, which included being disconnected and sent to a number that someone in the background was not speaking to me and when they did I couldn't understand them. The story changes each time and I feel this company is running a fraudulent service and they are cheating people out of their money. I think most people would let this go, but I was very careful and have always taken care of my charges. What is going on with that company. There is really no assistance and I have had 2 assistants tell me it was resolved and now the third is saying that XXXX was paid and would need to reimburse them. This is not correct and even the statements don't hold up to this last persons information. Wouldn't the company talk to XXXX and resolve this? They told me I would need to talk to XXXX or just pay the difference. Something is rotten at this company. XXXX was paid by me and not by barclays. This is so not the way a credit card company should be run. As soon as this is resolved I will be closing this 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 2019-04-26
Company: Diversified Consultants, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received notification that I have an account with diversified consultants in regards to an account with XXXX XXXX XXXX, the problem is that I still have an open account with currently with them but they are still reporting inaccurately. I have paid off this balance because I didn't want it to continue to have this inacurrate account on my credit report. The amount that is reporting is {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
Experian blocked all my families phones. I'm not able to reach them. Please see the attached letter sent to my husband.

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