BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
TODAYS DATEXXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which IXXXX sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to get this fraudulent account XXXX XXXX off of my credit report they keep telling me that they investigated and that this account is mine and it is 100 % not mine this is really inconveniencing me. Im trying to get a house and Im not able to because of this fraudulent account on my credit report, at this point if it is not removed, I will have to start the process of a civil suit which I really do not have the money for but I will come up with the money because I think its so unfair that they keep saying that they investigated, and there is no way that there was no investigation because this is not my account I did not get XXXX  XXXX I am XXXX XXXX XXXX. What do I want to do with some 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 2023-07-19
Company: EQUIFAX, 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX, Experian and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 explanation
Consumer complaint received 2023-03-18
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 Home Point Financial Corporation sent me a forced Placed flood insurance letter stating they wanted me to purchase flood insurance for my home in the amount of {$270000.00} which is more than the legal maximum amount possible for a residential home in Florida. After I purchased the maximum of {$250000.00} and both my insurance agent an I each sent then proof or coverage via fax and on the web site for {$250000.00}, the maximum, Home point is still refusing to admit I have the coverage and is forcing Lender placed coverage on me in the amount of {$13000.00}. Please assist in upholding the law and stopping them from fraudulently collecting money they are not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts 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 explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts 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 explanation
Consumer complaint received 2021-05-19
Company: Resurgent Capital Services L.P.
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:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT XXXX # XXXX. 
RESURGENT/LVNV FUNDING # 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On or about XX/XX/2022, I sent certified letters to XXXX, TransUnion, and XXXX, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of XXXX, and most recently TransUnion and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.

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 2018-12-13
Company: YKS Acceptance, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a XXXX XXXX XXXX XXXX car from XXXX in XX/XX/2018 I was told the amount I was purchasing was for XXXX. The day I drover off the lot I notice that the vehicles sun visors an a seat belt clip where broke and turned back around I went back an brought it to the attention of the sales rep who had sold me the car and he said that he was going to try and get the sun visors replaced I was later on contacted buy a lady stating that the sun visors for a cosmetic fix and that it was my responsibility to get them fixed two weeks after that the CBC axle started going out on my car and I expressed it to them and I was told once again I would have to go to another place and have them check it out and I would have to schedule the appointment for me to do that so as I had the car more things started going on with it and I contacted them also to see if I can get my payment switched from weekly to bi-weekly and they refuse to actually switch it in told me I had to pay a whole entire month all in advance before I could even get my car payments which according to my paychecks my car was later on repossessed because I could not do the weekly payments because I got paid bi-weekly and when they repossessed my car they actually destroyed property at the XXXX XXXX to repossess the car I later on just went and picked up my belongings and now they are still trying to come after me for {$15000.00} of the car when it was priced at {$10000.00} all of the papers and everything showing of what I was supposed to pay for it I also have quite a few witnesses that can attest to my statements being accurate so I would like to find out what I could do to have it removed off of my credit being that I was sold a car that was basically defective and had things going on with it and it was not worth {$10000.00} and I was a first-time car buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
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 sent in proof that the car dealership released the lien on my car and that the car dealership sent me my car title showing my vehicle is paid off. XXXX and other credit agencies refused to remove or update the error on my file to being paid and closed. They didn't send me any documents showing why they denied my request to update my credit report. This has caused me great harm and stress. My credit report score has gone down because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I woke up to several notifications from my bank. I didnt think anything of it due to the fact of me always having different notifications every morning I wake up. I also was getting a direct deposit in my account as well so that added to me not paying attention. When I finally went to go and see what the notifications were about I noticed two or three unfamiliar charges on my card. I immediately went to go and see if I had fell asleep with my cards unlocked and I did. Anybody that knows me knows that I use apple pay or tap wherever I go and where its offered. These new machines they have nowadays allow people to go behind you and pick up all of your information on your virtual and physical cards and thats exactly what happened to me. Before I disputed anything I went and did some digging myself just so I could have my thoughts and such straight just in case they needed a bunch of information from me. The charges were from a company called XXXX ( {$38.00} & {$0.00} ) and something called The XXXX XXXX  ( {$20.00} ). Minutes later my card started declining because I had nothing left for them to spend. For starters, XXXX is based in XXXX XXXX. I couldnt contact anybody to let them know anything because my phone doesnt dial out that far. Then I went digging for The XXXX XXXX.but I couldnt find anything because I didnt know there was such a thing? These both were online charges and they were done late at night when I was sleeping. I would say between the hours of XXXX. I showed all of this proof to representatives that work for my bank and they did nothing. They werent being fully understanding..The reasoning behind me not getting my money back was because they found no fraudulent activity and because my balance was low? Of course my balance was low. They took XXXX dollars from me and of course the fraudulent activity didnt pop up because this was done online? I emailed and chatted and even tried calling them. Their entire company is all over the place and I feel as though theyve given me the run around with this situation. Today makes a full month of this investigation not being resolved and XXXX is coming up. I need all of my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: FL
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:
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

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 2023-07-19
Company: EQUIFAX, INC.
State: AL
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:
From XXXX - XX/XX/2023, I filed a dispute with XXXX, Equifax and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: INTERFIRST MORTGAGE COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I got a quote for a loan from Interfirst Mortgage, but when that house became unavailable, I targeted a more expensive home. The amount of the loan increased from around {$170000.00} to {$230000.00}, and as a result they said my rate would have to increase. I protested and was told that they would be happy to match any loan rates, if I could provide them with a loan estimate from a competitor. 

Fearing losing the house in this crazy market, I elected to continue, which was a mistake. However, I got a competing loan estimate and provided it to the lender in advance of the closing. At that time, neither of my loan agents answered or returned any of the numerous phone calls I made, and I emailed them several times before and after the closing ( which was XX/XX/XXXX ), and they still have not made any effort to respond. 

Prior to me providing them with the loan estimate, they answered the phone readily, and always responded to my emails. I would have even refinanced the loan with them since they already had all the information, but their complete unwillingness to communicate after I provided the required information just solidifies that this is a dishonest company that never had any intention of doing anything other than giving me a terrible deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2023, an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to Equifax, XXXX, and XXXX. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok. The bank of America called me and also receive fraud alerts to my phone number, after the message I got a call from the bank of America Wich I check the number, and it was them and they explain someone try to do a XXXX activity from my account so I let them know I didn't they told me make a transaction to your own self to protect your.money I tell them no ... They said mam will be to your own XXXX account and how you register in your bank I didn't provide any Info, I send it to myself XXXX XXXX XXXX, last name and own phone number and no even XXXX and the bank know where is my money now, no one has protection and really hard to talk to XXXX they been trwu the ball to each other XXXX 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 monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them the person they are looking for, XXXX XXXX, is not the owner of this phone number. I even called back and we verbally told my number had been removed. When I asked today who was calling they would never say asked for the same person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal close my account for not reason after i received my XXXX dollar. 
they told me that they will made my money avalible for XX/XX/XXXX but, i call them and they dont want release my money. 
i want my money back now, i waited to much. 


my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: HYUNDAI CAPITAL AMERICA
State: MO
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:
I had a vehicle, a XXXX Kia Forte vehicle financed with Kia Finance USA that was involved in a total loss collision on XX/XX/XXXX, I notified them of this loss immediately and pre their request I continued to make the payments for XXXX and XXXX while waiting on the insurance settlement, GAP payment and refund of the Credit Life and Warranty. They received the payments, primary insurance in XXXX, and the remainder in XXXX. After receipt of their payments they informed me that they would send my balance within 45 days, on XX/XX/XXXX, I received a check for {$900.00}, that check should have been for XXXX, apparently they deducted for some kind of charge that was not made aware of to me, I believe they owe me more than the amount they sent me, I was on the phone with numerous departments there on XX/XX/XXXX and we could not resolve this problem. So I am going through your office in an effort to resolve 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