BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
Request that they remove inaccurate info from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

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 2023-08-17
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently had my Name placed on the Early Warnings list for Fraud by XXXX  XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into XXXX XXXX and Early warnings because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SANTANDER HOLDINGS USA, 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: Problem with personal statement of dispute

Complaint:
I believe Santander/Chrysler not only falsely reported a chargeback to the credit bureau but as well as violated my consumer laws right chapter 15 U.S. Code 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION TO OPT OUT ( b ) of said reporting of Personel information to non affiliated third parties.

They did not exercise part ( b ) and part ( c ) neither the option of letting the consumer make the decision of third party reporting as well as letting consumer know the options to not disclose personal information. and I XXXX XXXX opt out of said non affiliated third party reports. Never authorized to it in beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America card, XXXX XXXX account, XXXX XXXX card opening in my name. 
Someone applied for XXXX card in my name. 

Someone hacked into my XXXX app and changed cell phone number contact Several alerts that my phone number is on the dark web

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 2020-12-18
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I created my Paypal account on XX/XX/2020, to sell two items I had, on XXXX. My first item sold on the same day XX/XX/2020, I received the payment from the buyer to my Paypal account and I shipped the item the next day via USPS, the buyer received the item and was very pleased with his purchase! The second item sold on XX/XX/2020, and the funds were immediately transferred to my Paypal account, and I shipped the item to the buy the following morning through XXXX and updated the buyer with the shipping status and the tracking number. I understand XXXX and Paypal each have a money hold policy of approximately 30 days. 
I received an email from Paypal Tuesday XX/XX/2020, saying that I can no longer do business with PayPal along with a reference number, and a brief ( and insufficient ) explanation " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using Paypal ''. 
I reached out to Paypal customer service via phone this morning XX/XX/2020, to be told by the agent that Paypal was indeed going to be holding on to my funds for at least 180 days. I asked her why, and she couldn't or wouldn't give me any details ; only saying that their security team identified my account as a potential risk. The agent would not allow me to speak with a Supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Consumer Financial Services
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a XXXX XXXX XXXX XXXX van from XXXX XXXX in XXXX XXXX XXXX, Fl. in 2014 as my other car was in disrepair, I am a single senior female and lived far from a town. I also wanted to improve my credit score, so CHOSE to pay half the amount down and finance the rest at 24 % interest, intending to pay payments for six months and then pay it off. I test drove the van a couple times and all seemed to be o.k. 

Within 2 days after purchase, it developed a severe jerk in shifting from 1st to 2nd gear and the electrical system began having issues. Lights flickering, seats not working, tailgate would not open. I immediately contacted XXXX XXXX and the owner said he would either fix it or trade it for a comparable vehicle. In the meantime, trying to work this out, I made all my payments on time as promised, showing due diligence on my part. 

He set up an appointment with a mechanic, I went to said appointment and was told they were slammed and could not help me which I found odd. I then took it to XXXX XXXX myself and was told it would need to have the transmission rebuilt. XXXX XXXX refused to pay it. I then requested he exchange it for another vehicle as he said he would do. When I went down there, 100 miles round trip, he showed me only one and then said it would require {$1500.00} more down and the payments would increase. As I live on a limited income I could not do this. I called Consumer Finance who it was financed through and they were less sympathetic than the seller. I shortly after found many complaints from others who had been taken by this auto dealer using this same finance company. 

A man from consumer finance called me, was VERY rude, threatened me with suing me. I informed him that I was the one who was being ripped off. So, it went on my credit making it worse than before and that was the reason that I did not pay the whole amount which I could have done. 

I acted in an honest, diligent, responsible manner which I can not say about the seller or finance company. This should come off my credit report with all bureaus as NOONE should be expected to pay for something so severely misrepresented!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2021-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on XXXX and Experian. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on XXXX " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on Experian " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following XXXX unauthorized inquiries appeared on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXXXXXX XXXX XXXXXX/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 2023-05-06
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX 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 reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur 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! 

I have proof that I was a victim of Identity Fraud & my next step will result in me taking legal action against these companies & bureaus!!

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 2023-08-17
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
Fortiva 's response to XXXX was unsatisfactory. Fortiva 's action lowered my credit score. Fortiva opened a credit card account without my permission. Instead of closing the account, they should have removed the account. Closing the account that I did not authorize reduced my credit score. This is NOT acceptable. The account should be removed as an error. Not shown as an open account that was closed. Again this does not resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX - I contacted Bank of America 's mortgage customer service line in efforts to make automatic drafts out of my account on XX/XX/XXXX and XX/XX/XXXX. My monthly payment is {$720.00}. The representative I spoke to put in the system the dates I requested and provided me with 2 confirmation numbers. On XX/XX/XXXX I received an email stating that BOA had not received my promised payment and that I needed to contact them immediately. I called BOA to inquire why the payment was not drafted from my account they responded by saying that my property was in the process of being foreclosed on. I asked if I could make a payment right then and there they stated no because of it's current status. I was then offered an opportunity to apply for a loan modification I received the necessary paperwork to apply for the modification and now a WEEK later there is a sale date on my home. It's like I never had a fighting chance to get my account current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Looking Through My Postcards From My Travels, I Noticed a Receipt. On XXXX XXXX Someone With A Credit Card ( An Old Credit Card Number I Once Had ) From Wells Fargo Charged an Amount of Around XXXX XXXX. Dollars at the XXXX XXXX in XXXX. 

Now, The Truth is Stranger Than Fiction. I Had to Close My Account Because My Father XXXX XXXX XXXX Steals From My Account Because They Would Not Allow Me to Change My Account From XXXX XXXX When I Had Initially Told Them I Was XXXX XXXX XXXX XXXX 

I am XXXX XXXX XXXX But There Are at Least XXXX XXXX XXXX. Do You See the Problem? 

So I Believe, They Cloned My Debit Credit Card and Pigbacked On Another Account They Had On My Name With My Social Security. 

Sounds Farfetched But It is Very Easy With the Number of Hackers in This Century. 

So, I am Filing a Complaint Against Wells Fargo That Should Also Go to The Justice Department For Cloning My Card and Stealing My Identity. 

Thank You, XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: GA
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:
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.

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 non-monetary relief
Consumer complaint received 2023-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 Select Portfolio Services DBA " SPS '' purchased the mortgage servicing of my loan from XXXX XXXX XXXX XXXX " XXXX XXXX ''. Since that time, SPS has sent me incorrect statements, incorrect collection letters, and threatened/started foreclosure proceedings ( Validation of Debt Notice dated XX/XX/2023 ). SPS has been notified of their errors ; however, they forced me to pay the incorrect amount on XX/XX/2023. 

The errors stem from a gross lack of due care and due diligence by SPS ' acquisition department. My previous servicer, XXXX XXXX, processed a Covid forberance program and loan modification - SPS did not take those into account in their statements or collection actions- and have not corrected their online or voice response unit for my account. 

SPS should process my loan modification, stop collection actions, and pay for the defensive responses I have made due to their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation