BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2021-03-17
Company: National Credit Systems,Inc.
State: NC
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:
National Credit Systems and XXXX XXXX XXXX are reporting a balance of {$1900.00} on my credit report for collections. This account does not belong to me. It belongs to a family member with a similar name as mine. I called both the collection agency and the apartment complex and they both agreed it was not my debt but refused to remove it from my credit report. I dont even know how they got my social XXXX number as I was told I was added as an emergency contact on the application. I disputed this debt as it does not belong to me and they are refusing to remove it. The credit collection agency also gave me a lot of private information on this account that I would think is against the privacy rules for the account holder as well. I am reaching out to ask for assistance in having this debt removed from my report as it is inaccurate and it is ruining my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
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:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 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 victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer 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 IMMEDIATELY. 

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: RIA FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
Ria transfer money this company are using to send money to my country. They usually deposit the money in less than an hour, but in this case they are telling me they gon na hold it for four days but when I made the deposit they did tell me it was going to take the longer.

Now they are saying if I cancel it can take 10 days to the refund my money even though I told them theres an emergence I dont understand why theyre holding in for so long when I always made the deposit through my bank now they say that I need to send it through my debit card to get it in less the one hour and he steal them more than me. They are getting is through my bank. No matter is a my debit card. I think they are holding the money for so many days so they can use my money to make more money because their rates change every date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bridgecrest was notified XX/XX/XXXX by fax and certified mail of account in Dispute and account Verification request to be sent via mail. As of now I have NOT received complete requested information as required by 15 USC 1692g, section 809 of the FDCPA. As of XX/XX/XXXX Bridgecrest continues to illegally attempt to collect a debt with acknowledgment of debt in Dispute status. Alleged account status is currently showing additional payment and late fees attached. This is a clear violation of the FDCPA including but not limited to FDCPA sections 806, 807, 808, 809 and 813. I do not acknowledge this debt as mine without verification of account and will Dispute any updated payments or any associated fees. Bridgecrest to be sent as of XX/XX/XXXX, updated letter by fax and certified letter notifying of these more recent disputes including additional 10 day request for information and correction period

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 2022-06-10
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have disputed this multiple times for multiple items on my report incorrectly added. The creditor would delete the item then either months or in this case they have added it after almost 6 months to a year later but now stating its a brand new collection with a more recent date of last missed payment date. It seems when it reappears on my credit the date they pulace as when it was opened is the most convenient date closest to the time it is added. There is never any consistency with what they place on my reports for the same account. 
SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 on my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-09-30
Company: American First Finance, Inc.
State: IA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company is a predatory lender. Attempted to pay this off within the 90 day window and mysteriously this company would not charge one or more of the payment cards used for payment due to what they told me were problems at their end. They then proceeded to damage my credit. I eventually paid more on this to try to get away from this company but it did not lower the amount owed. I found out that they try to call what they do 'rent to own ' but it is a scam charging you XXXX to XXXX percent interest on what they finance. This is a wholly illegal and predatory company preying on the poor and less fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXXXXXX XXXX, it was a XXXX XXXX XXXX The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my FICO scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the Fair XXXX model is flawed because it does not take into account situation.

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 2023-01-26
Company: Auto Credit of Southern Ilinois
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I filed a complaint XX/XX/XXXX however I never spoke with XXXX XXXX I only spoke with XXXX however they repo the car today on XX/XX/XXXX I was asking for my papers on end of contract cause they now have the car back In their possession I have a contract with auto credit not XXXX XXXX however they never tried to negotiate a better contract and my signature was forge I can upload the contract that I had was never signed for auto payments in my policy I still have police report on filed I am requesting my end of contract paper work soon as possible because they were able to retrieve the car back in their possession they breach their own contract I did not because they receive payment beginning of XX/XX/XXXX I have documentation of that also thank you in advance

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 2022-02-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TransferWise Ltd
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi Our company, XXXX XXXX XXXX, had a bank account with WISE ( formerly Transferwise ). They close our account without any prior notice & reason. Now they are not giving us option to appeal for reopening the account & not telling the reason why they closed our account. 
We request you to kindly look into the matter & help us reactivate our account. 
we are facing heavy business loss due to their this unprofessional behavior. 
looking forward for positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/XXXX. I disupted multiple inaccuracies with Experian, XXXX, and XXXX. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

This is unlawful and the following matters need to be corrected all XXXX credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX  Please delete 2 of the 30 day late. 
3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 
4. XXXX XXXX XXXX XXXX remove all XXXX late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX XXXX XXXX XXXX 30 day late payment

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 2021-03-17
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare is not posting my payments to my account, my bank confirms that it was withdrawn, they have done this for 3 month in row. it is an impossibility to get someone on the phone. I have been on the phone on hold waiting for a person for hours. they are posting late fees and negative credit on my 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 2023-11-20
Company: Experian Information Solutions Inc.
State: MS
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. 

XXXXXXXX XXXX XXXX # XXXX, XXXX/DEPT OF ED # XXXX 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 an 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 explanation
Consumer complaint received 2023-01-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a XX/XX/XXXX foreclosure date set. We have been trying to do a short sale since XX/XX/XXXX. The home has been listed. The lender did an appraisal and the value came in at $ XXXX in XX/XX/XXXX. The agent has had the home listed and we have not gotten any offers close to that. We submitted 2 offers and the lender automatically denied them. We have requested that they order a new interior appraisal since the market has changed so much in the last 6 months. 
We were told the appraisal expired on XX/XX/XXXX but they refused to order a new one. 
We can show listing history, showing history and feedback to show this property is not worth $ XXXX like the lender wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial was the mortgaging servicer for my home mortgage, and the servicing was transferred to another entity as of XX/XX/XXXX. However, BSI Financial is responsible for providing the annual mortgage interest statement since it collected mortgage payment through XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX I have reported to BSI Financial Services, the mortgage servicing company, that I did received the annual mortgage interest statement ( form 1098 ). I was told the document was mailed to my residence and a given that I had not received it, a request for the document will be submitted to the appropriate department. I waited two weeks, yet I did not receive the document. I call again and informed the BSI representative that I had not received the document and asked for expedited service given that the form was delayed. The representative stated she will send an email to the appropriate department, and she also asked whether I would like to learn the amount verbally. I told her a verbal response from the company is unacceptable and I would like the document as it the only confirmation that would be acceptable in the business world and I need the actual statement. 

On XX/XX/XXXX I called the company again explaining that I have not received the document and again asked for expedited service. Again the representative offer the same explanation ( a request was send to the appropriate department ). She also stated I would receive the document via email within 24 hours of the request. The representative also offer to give me the information verbally, which I repeated my response. I need the actual statement. 

Since that time, I have made two additional calls to the company for same request and receive the same response. I find this company to lack appropriate measures for handling customers ' requests and further believe is should not take 2 months to provide a pre-filled document, that is required by statute to be mailed to customers by XX/XX/XXXX. Further if the statement was mailed at the time the company claimed that it was mail, why is it so difficult for the company to produce a copy?

Company response to consumer: Closed with explanation