BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
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: 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.

has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that has already been addressed as part of an identity theft investigation, I've asked the credit reporting agency to rectify this issue they have deleted the inquiries associated with this account but non the account itself. Waiting for resolution

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605b XXXX XXXX XXXX  acct XXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.

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 2023-07-25
Company: EQUIFAX, INC.
State: AZ
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE AN OVERAGE OF {$4200.00} IN MY MORTGAGE ESCROW ACCOUNT. MY MORTGAGE IS HELD AT DITECH. I HAVE REQUESTED MY REFUND THREE TIMES SINCE RECEIVING THEIR ACKNOWLEDGMENT AFFIRMING MY OVERAGE IN WRITING ON XX/XX/2019. THEIR FIRST REPRESENTATIVE PROMISED ME THE CHECK WAS ALREADY IN THE MAIL. THE SECOND REPRESENTATIVE TOLD ME THE OVERAGE WAS NOT OWED BACK TO ME. THE THIRD, A SUPERVISOR TOLD ME DITECHS POLICY IS TO KEEP OVERAGES AND LABEL THEM AS PART OF MY ESCROW RESERVE. I EXPLAINED THAT THEY CAN LEGALLY ONLY HOLD UP TO TWO MONTHS OF MY INSURANCE AND PROPERTY TAX BILLINGS BUT MUST OTHERWISE RETURN MY OVERAGE. THE SUPERVISOR TOLD ME KEEPING OVERAGES IS DITECHS POLICY AND I COULD FILE A COMPLAINT IF I DONT LIKE THAT ANSWER. I WILL DO THAT AND ALSO REPORT THEM TO THE CALIFORNIA BRE, DRE AND THE FDIC. I AM JUST GETTING STARTED HERE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the last seven months Navient has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my XXXX credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know Navient has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-06-17
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a collection notice from American Coradius, International, LLC trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from XXXX XXXX  which I have never done business with and when looking for their physical address found four locations. Apparently they used to be XXXX XXXX loans and their CEO XXXX XXXX left XXXX when it separated itself from XXXX. XXXX apparently bought all of XXXX 's credit accounts but I have never used XXXX  either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX. When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from XXXX XXXX and American Coradius, International, LLC should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe this limitation was enacted in error, and I would like to formally appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to abide by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action, nor have I violated any of PayPal 's terms of service. My intent has always been to use PayPal as a secure and convenient platform for my online financial transactions. 

I kindly request that PayPal conduct a thorough re-evaluation of my case. It is my sincere hope that upon further investigation, any misunderstanding or erroneous information that may have led to this limitation can be rectified. I believe in the fairness of PayPal 's services and trust that a careful review will reveal that there has been no wrongdoing on my part. 

In light of the above, I respectfully appeal to PayPal to reconsider the limitation placed on my account and, if possible, to reinstate it. I understand the importance of security and compliance, and I am more than willing to provide any necessary documentation or information to facilitate this review process. 

I appreciate your attention to this matter and kindly request prompt communication regarding the progress of my appeal. Restoring access to my PayPal account would greatly assist me in managing my financial affairs efficiently and securely. 

Thank you for your time and consideration. I eagerly await a positive resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Due to a host of reasons, I was forced to sale my car to ensure proper and timely payment on my mortgage. After providing the dealership with my title, I deposited the funds into my Bank of America checking account. Not surprisingly, funds were put on hold. It is what happened next that is alarming : 1 ) I received notice my account was closed due to submitting a fraudulent check 2 ) The check was from the dealership that purchased my car. This dealer also banks with Bank of America. 
3 ) While the check cleared the Autodealer 's account, BOA blocked and closed my account, giving me no access to much-needed funds to pay my mortgage 4 ) Worse, no one, to this date, can provide an answer as to why my account was closed. 
5 ) I provided certified letters from the dealership confirming payment. 
5 ) Even the branch manager ( XXXX XXXX /XXXX  ) can not figure out why my account was closed 6 ) I was told it would take 7 to 10 days to research the issue, which is unacceptable. 

It is unimaginable how BOA can simply shut down an account for no reason, blocking access to funds. I fully understand bank and fed hold policy, however, this situation far exceeded federal guidelines and worse, treated me like a criminal. Meanwhile, the auto dealership provided a certified letter confirming the funds had cleared their account. The inaction by BOA is simply unacceptable. Please help!

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 2023-03-16
Company: Atlas Credit Company, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/23 Call from a XXXX, XXXX, asking that I have XXXX call her. 

This occurs everyday, sometimes on Saturday and Sunday. Sometimes 3 and 4 times a day, and can be at anytime of day. I have blocked the number but they still leave a voicemail. 

the number comes back as : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They never give a full name of who they are looking for. I am assuming my brother who lives in XXXX  XXXX. I have not spoken to him in some time and he does not return my calls. 

I am tired of the number of calls and timing. I have no idea what his business is with this company. Nor why they are calling me. I want it stopped.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX  - {$1000.00} XX/XX/2021 XXXX XXXX XXXX XXXX - {$3900.00} Ok this is where it started. 
These two people obtained my phone while I was sleeping and they pursued to send themselves money from my venmo balance so I disputed these charges in a few days later venmo found the dispute in my favor and resolved it and gave me back my money and then they asked me to verify my account at this present time I had not had a updated ID my ID was still expired from the covid experience that we all just had and I had not yet obtained a new one so I had submitted my original documents that I had opened the account with and they had told me that they were outdated expired and they couldn't accept them and then they put a hold on my account shortly after that I had went and gotten me a Texas driver 's license and I submitted them that documentation and they still insisted on rejecting that and not giving me any good reason why they just kept asking me to reverify reverify reverify and it seems like every other time I emailed them or they emailed me it was a different account specialist or somebody and support but it was never the same person more than three times ever in our entire correspondence I even had an executive from the escalations department contact me from XXXX telling me to resubmit my info and that he was going to look into my account that was almost 3 weeks ago and I've never heard from him again. 

I've called several times and I always get the same answer that there is nobody there to talk to that can unfreeze my account that it's all done through email and if there is no other possible way to talk to anybody besides the support team that they hired out third party So to say the least my phones have been shut off I am currently borrowing somebody's phone to even report this to it's been over a month since I paid my rent or any of my bills because I work for myself and it takes money to make money and when venmo wraps up all your money and won't let you have it you're not allowed to make money or pay your bills I'm. currently being evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 2023-08-02
Company: Sunlight Financial LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a Solar Panel / Battery Back up System ( System ) from XXXX XXXX XXXX which was financed through Sunlight Financial. Sunlight Financial sold the financing to XXXX. The System did not work and it was determined by 9 State Attorney Generals that the marketing, selling, and installation of the System was fraudulently done by XXXX XXXX XXXX. The 9 AGs sent a letter to XXXX XXXX XXXX and Sunlight Financial that they should not collect any money til this was resolved and the systems either fixed, removed or the money refunded. 

In the meantime, XXXX XXXX XXXX went bankrupt. I stopped payment on the system based on the system not working and the letter from the Attorney XXXX and XXXX XXXX XXXX not completing their work to make the system functional. XXXX placed a lien on my home. I went to court and the court agreed that the XXXX is not part of the house but is XXXX XXXX ; therefore the XXXX on the house should be essentially null and void ; however, XXXX won't remove the lien. 

XXXX then trespassed onto my property and had a lock installed on the System which rendered System useless ; no electricity was generated from the Solar Panels and the XXXX Back up did not store the energy for use if the power went out. This also cut all power to XXXX circuits which were identified as " critical circuits '' including the XXXX XXXX and the Refrigerator. Thus the XXXX XXXX and my refrigerator stopped working immediately. As a direct result of this action by XXXX, my basement ended up with over XXXX ' of water and over {$110000.00} in damage to my home. 

All the while XXXX claims that I still owe them {$50000.00} for the XXXX that doesn't work. I engaged an attorney and have asked XXXX to come get the XXXX. They refuse and won't address the critical issues such as the damage their actions directly caused. I am giving them one last opportunity to resolve this before filing a lawsuit against them to collect the money from the damages they caused. I am planning on getting the XXXX XXXX involved in this litigation, too, if XXXX doesn't come to their senses. I've contacted the original XXXX XXXX, Sunlight Financial, and they ignore my concerns. Several calls have given the standard answer of " we're looking into it and have received your complaint. '' But nothing ever moves forward. Both XXXX  and XXXX XXXX say that both companies are familiar with each other and the complaint I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple accounts on my credit report I do not recognize

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