BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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.

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

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 2021-03-03
Company: LoanCare, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to pay a claim that I made with my mortgage company ; however, they refuse to disclose amounts and or invoices of said debt. instead they have advised me that I have a pre-payment penalty. I am trying to clear aid debt ; however they advise me that XXXX is responsible for the administration of the partial claim yet you can not reach nor will they reach out to you. 

here is my mortgage companies contact info : NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX Virginia XXXX, VA XXXX Mailing Address : XXXX XXXX XXXX XXXX : Legal/Licensing XXXX  XXXX, VA XXXX Phone : XXXX Toll-Free Number : XXXX Fax : XXXX Website : XXXX, XXXX Email : XXXX in short I need help closing out partial claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I OPENED AN ACCOUNT WITH A LENDER CALLED ONEMAIN IN XX/XX/XXXX. THE ACCOUNT WAS NEVER REPORTED LATE UNTIL XX/XX/XXXX AFTER THE LENDER REMOVED AN AUTOMATIC DRAFT AGREEMENT. THE AUTOMATIC DRAFT AGREEMENT WAS DONE BY PHONE, AND I GOT NO WRITTEN VERIFICATION OF THE AGREEMENT. 

THE LENDER ( ONEMAIN FINANCIAL ) TRIED TO RUN A LOAN FLIPPING SCAM BY AGGRESSIVELY CALLING ME MANY TIMES TO REFINANCE MY LOAN. THE REFINANCING OF MY LOAN WOULD HAVE COSTED ME HUNDREDS OF DOLLARS IN NEW FEES AND ADD ON PRODUCTS THAT WOULD HAVE BEEN ROLLED INTO THE NEW LOAN AT A VERY HIGH INTEREST RATE. AFTER MANY AGGRESSIVE CALLS ASKING ME TO REFINANCE MY LOAN, I ASKED TO BE PUT ON A DO NOT CONTACT LIST. I ALSO ASK FOR MY PAYMENTS TO COME OUT OF MY BANK ACCOUNT AUTOMATICALLY TO AVOID ANY FURTHER COMMUNICATION. INSTEAD OF PLACING MY LOAN ON AUTOMACTIC PAY FOR THE LIFE OF THE LOAN, THE LENDER PLACED THE LOAN ON AUTOMACTIC PAY FOR ONLY 12 MONTHS. THIS MEANS I WOULD HAVE TO SPEAK WITH AN AGGRESSIVE SALES AGENT AT SOME POINT IN THE FUTURE. AFTER THE 12 MONTHS OF AUTOMATIC PAYMENTS THE LENDER TERIMATED THE AGREEMENT TO AUTOMATICALLY DRAFT MY ACCOUNT WITH OUT NOTICE. I DIDN'T KNOW THE AGREEMENT WAS CANCEL, AND AFTER REPORTING ME 30 DAYS LATE THEY MAIL ME A NOTICE. I IMMEDIATELY BROUGHT THE ACCOUNT TO A CURRENT STATUS UPON RECEIVING THE NOTICE STATING MY ACCOUNT WAS OVER DUE. I NEVER HAD ANY 30 DAY LATE PAYMENTS ON THE ACCOUNT PRIOR TO THIS TIME. I WASN'T NOTIFIED BY PHONE BECAUSE OF THE DO NOT CALL STATUS DUE TO PREDATORY LENDING, AND THE LOAN FLIPPING SCAM AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am applying for XXXX XXXX XXXX XXXX with MOHELA. I sent in my income verification in Fall of XXXX. While some of my income has been verified and approved, much of it has not. Some of my income does not qualify and I understand this. However for the rest of my income that does qualify it is taking a VERY VERY long time for the information to process and be certified. I have called several times and every time I am told they are working on it, yet I do not see progress with my account. 
For instance - I have a period of qualifying income that dates from XXXX to XXXX. MOHELA has certified my income for this employer from XXXX only. I am missing 3 years of certified payments and income! 
I have sent them verification of my employment from XX/XX/XXXX to XX/XX/XXXX. Once again they have only certified part of this time period despite the fact that I worked for the same employer the entire time. 
Employment information I have sent more recently, covering from XX/XX/XXXX to XX/XX/XXXX has already been processed but the earlier information has not- despite it clearly showing as received and processed. 
PLEASE update my file so it accurately reflects my efforts at XXXX. I am doing my part MOHELA needs to do theirs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Compass bank is closed my irs check went into acct number XXXX XX/XX/2022 but they cant help because Pnc bank bought them out and they cant give information about the bank acct. Im trying to recover my {$3900.00} income tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX  XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: JSZ Financial Co., Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These items remain on my credit report. Per FCRA Law, these are supposed to be documents sent to me verifying that these items belong to me. I havent received anything from the companies listed on this document ; therefore I believe I am a victim of identity theft. You have four days to delete this item on this FTC Report. If you continue to disobey the law, I will use my rights to file a Civil Suit against you and the creditor for unlawful use of Metro 2 and the inability to verify items before placing them on my credit report. I have no contracts or have ever done any business with the creditors listed on this document. Either you have failed to properly verify these items before placing them, on my report, or someone is misusing their ability with Metro 2. I demand these items are removed during your investigation and stay removed thereafter as they are not mine. You have four days to delete upon receiving this document. I am sending priority mail so I will know when you get them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23 I XXXX XXXX XXXX XXXXXXXX {$710.00} from XXXX XXXX XXXX XXXX to her Vystar account via XXXX. The money was sent in error. I contacted XXXX XXXX and she contact Vystar to reverse the transaction as she had just made changes to some of her personal contacts and didnt have access to XXXX it back. 
On XX/XX/23 XXXX saw the funds removed from her account at Vystar. 
The funds have not been returned to my account at XXXX XXXX. 
XXXX and I have spoken to Vystar and XXXX XXXX together and neither institution can see where the pending {$710.00} is. XXXX has been unresponsive.

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 2023-09-12
Company: FREEDOM FINANCIAL NETWORK
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I file bankruptcy on XX/XX/23 and received a XXXX XXXX discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: DIRECMANAGEMENT, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Direc Management INC has been inaccurately and unfairly reporting a joint account which they claimed I am remain in debt too. The beginning amount owed, according to their reporting, was {$1800.00} dating back to XX/XX/XXXX. 

Since this time Direc Management INC has increased the balance by {$5.00} each month in an attempt to cause further harm to our ability to earn new credit and receive the best interest rates available. The current balance as of XX/XX/XXXX is {$2300.00}. My first attempt was received on XX/XX/XXXX via certified mail USPS ( XXXX ). Direc Management INC responded on XX/XX/XXXX by sending an itemized document, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

Therefore Direc Management INC failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The itemized documents, sent to me and the co-applicant, contained conflicting dates of first delinquency and amounts claimed owed. 

A second attempt was delivered via certified mail USPS ( XXXX ) to Direc Management INC on XX/XX/XXXX, again requesting validation and, additionally, names and addresses of each person who personally verified this alleged account. 
Direc Management INC failed to respond. 

Laws I can potential files suit for : 1 ) Metro 2 Compliance 2 ) US Court of Appeals - XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 623, FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter XXXX From XXXX. 

FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year 2020 everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
Experian, XXXX and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic 2020. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and along with inquiries with that I did not authorize but EXPERIAN and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

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 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Got XXXX unauthorized transactions from Bank of America debit card through XXXX  : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. 

Bank of America refunds me with the first one but marked the other two claims as " claim not paid '' reported to both the FDIC and the identitytheft department

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 2022-11-03
Company: EQUIFAX, INC.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/. entered into a judgment while begin represented for child support and spousal support totaling {$1700.00} a month. my income is - take home XXXX XXXX monthly. while there was no evidence provided to make a judgment of that nature, physical or testimonial. While unable to make the payments, on top of all the other bills I was forced to not pay. while looking for help and researching there were many helpful ideas. while child support itself is the biggest corrupt unconstitutional fraud ever committed, there is also money. I have been and am still begin forced to work for fake money,. has no value. I have been monopolized and railroaded in absolutely every aspect. it has violated every single civil right and liberty i, as the United States of America born national, consumer, citizen whatever. For example, My residence is provided water from XXXX, a Lake obviously ( look it up ). Rain falls from the sky into the lake, i pay for the treatment and the piping to my residence. Which would be ruffly 2 % of the bill ( cost of treatment and piping ). While the piping was paid for by taxpayers already, we continue. The maintenance is slim to none, living here and seeing absolutely no construction. Water from the sky, I pay for. I flush my toilet, I have to also pay to get rid of that water and treat that as wastewater. The special district then pipes the wastewater to XXXX to, " XXXX  XXXX '' a power generation facility. In which they sell the water to " the geysers ''. All that and myself, the consumer gets {$0.00}. When did the waterfall from the sky? Who owns that water? Hopefully, that makes sense. 
Banks loan me money, yet they can't provide any debt validation/verification. Mainly because they didn't loan ANY money. Yet I have XXXX XXXX, and XXXX XXXX  and can not buy a house because I was initially wrecked by the CA state judicial system. I have gone through every possible avenue to seek remedy. I am extremely educated in the factors herein and do not have time to waste. my life has been drastically affected and continues daily. The respect I once had for any authority within is diminished. my faith in any justice is rare, as well as the leaders. I've been discriminated against at work, and at all government agencies contacted. I have been ignored. It's absolutely unacceptable and my mission will continue to pursue remedy. Either of broad media or alike, until there is accountability there will be navigation to this.

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 2023-09-06
Company: Atlanticus Services Corporation
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company continued to charge the statement balance. They were small transactions throughout the billing cycle. However, they charged me the remaining statement balance as a full payment. Example, I may have only of used {$50.00} in credit for the month of XXXX but they charged me XXXX dollars which would be my statement balance, and included it into my balance, ( see attached documents ). They continue to do this month after month even after I called and explained that this was an incorrect and unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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