BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: Affirm Holdings, Inc
State: NJ
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:
In XX/XX/2018 I had requested a copy of my credit report. I had noticed that Affirm was posting that I had an account with them and it was late. I immediately contacted the company and notified them that I had not applied or accepted any credit from them and that this was possible fraud. The company stated they would investigate and forward all information to me in regards to the investigation. The only thing I received was a letter stating that the account was determined to be mine and would have to pay the amount charged. I tried to dispute this with the company asking for proof which they refused to provide ownership. I have tried to contact the assigned investigator and have not received any call back nor anymore information in regards to this matter. Affirm continues to report to the credit agencies that my account is in charge off status and refuses to remove the reporting of this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I defaulted on a student loan back in XXXX  and would like to get a statement of account. I called the XXXX and the XXXX XXXX  hotline and they can't find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted the person on instagram about buying shoes for XXXX and sent the money over through venmo its been almost XXXX weeks and i have received nothing and when i asked when they would be delivered he blocked me, if needed i can screenshot XXXX  XXXX  and my venmo payment to this person. As of now i just checked our XXXX  XXXX  and he deleted every text he sent me for this order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I'm very outraged my disputes haven't been investigated. This isn't fair and against the law. I sent my letter on XX/XX/2020 and it's been more than 45 days and I haven't heard anything back yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes. I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I am a real person and this is angering me that they still haven't responded to my dispute I sent out over 45 days ago. Now I'm asking for help once again. I give authorization for you guys to investigate these items. Please do your job.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 repeatedly receiving phone calls at XXXX XXXX. and XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX  for an account and debt from XXXX XXXX XXXX XXXX XXXX XXXX, for {$6200.00}. The collection account and debt is listed on my Trans Union, XXXX and XXXX  credit report. The collection account or debt, is not my account or debt. The collection account does not belong to me. XXXX XXXX XXXX XXXX, Representatives is steady calling me annoying and harassing me, using abusive and profane language against me, threatening me with XXXX and XXXX, all for an account and debt thats not my account or debt. XXXX XXXX XXXX  has frightened me and put me in fear of losing my life. XXXX XXXX XXXX XXXX, is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law. Their business practices are frightening, unethical and unlawful.

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 2022-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX XXXX XXXX when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2019-09-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

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 2019-08-08
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I settled on my construction loan with XXXX XXXX XXXX in late XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX I received a letter from BSI Financial Services requesting proof of hazard insurance on my owner occupied home.This is a construction loan and property is vacant. The appropriate insurances were in place at time of settlement and these documents are in the loan file. I called BSI and was told that they do not get my loan documentation when it is transferred and that it is standard practice for BSI to call the borrower and request insurance or place forced coverage. This was told to me by XXXX XXXX Employee # XXXX. I have placed several calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been put on hold, sent to voicemail and disconnected. I am told that they will look for my loan documentation but never get a return call with status. The proper insurance overages were in place at time of settlement. I have uploaded my insurance policy to their website and gotten confirmation but they tell me they dont have it. 
I am concerned about their record keeping and lack of inter-company communication. As of right now I still do not have resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I transferred {$500.00} from my Bank of America credit card to a joint checking account also with Bank of America. Both of theses accounts are available to me through the Bank of America online website. I am the sole owner of the credit card but I own the checking account jointly with my daughter who requested this money to cover unexpected medical bills. I chose to transfer this money from one Bank of America account to another Bank of America account believing it would be the quickest, most convenient and cheapest way to accomplish and meet my daughters emergency need immediately. 

Much to my surprise I was charged a {$25.00} transaction fee on XX/XX/2021 and on top of that {$8.00} of interest during the statement cycle. It is unbelievable to think that an internal transfer from one account to another at the same banking institution should cost me {$33.00}. I am confident that Bank of America is capable of completing this kind of account transfer for pennies if any cost at all. If I was to annualize the {$33.00} cost we are talking about 79 % interest, this is usury and should be illegal. 

I reached out to a Bank of America 's branch associate at their XXXX XXXX XXXX in XXXX GA on XX/XX/XXXX and was told that they could not assist me and that I should call the XXXX number on the back of my credit card. I did not make this phone call and used my bill pay service at another bank to payoff the {$530.00} balance on XX/XX/2021 to maintain my XXXX FICO score. 

I have every intention of reaching out to an attorney for guidance on what app appears to me should be a class action law suit brought against Bank of America. If XXXX companies can figure out how to transfer money at no cost to the consumer then so should Bank of America, not to mention that ACH and CORE Processing capabilities for internal transfers at the same institution already exist at little to no cost. 

In closing, shame on me for not reading the 8 pt font three page legal disclosure that I got with this account 20+ years ago and shame on me for keeping this account open only for emergency situations just like the one outlined above. I expect the CFPB to fine Bank of America the maximum amount under the law for charging exorbitant fees to its customers. I can only imagine how devastating these fees can be on some American citizens struggling due to the lasting Pandemic and Economic crisis our country has been in for the last 18 months. SHAME ON BANK OF AMERICA!!

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 2021-02-15
Company: Experian Information Solutions Inc.
State: GA
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:
Now CFPB, if you have been paying attention thuan my third complaint against Experian within a 30 day period because they refuse to follow the Fair credit reporting act and continued to report unfair, inaccurate, Fraudulent information. 

Experian was notified of the orginal identity theft back in XXXX of 2019, to which they deleted the information off my report but still choose to furnish that negative fraudulent information on my rental history after they had already receive the FTC report, identity theft affidavit and police report that got the account erased in the first place I had no knowledge that Thais was still on my report because I assumed that it woolly be deleted, due to that fact that Experian rent bureaus is a direct extension of Experien Information Services. 

I was recently denied for an apartment due to them reporting this information that has already ready been deemed as fraudulent : I have already been dismissed from the responsiblility of the debt from the original data furnished ( see attached letter ), but they continue to report it and are making it extremely hard and tedious to correct this informations. Last month I filed a complaint about them report it the negative information on my credit report to your company to which they responded that I was not a client so they couldnt respond. I pointed out the facts that they lied because they were responsible for reporting the negative rental history and had my personal information. So if I am not your client nor have I consented for you to furnish this rental history, how is this in compliance. 

Simultaneously Ive sent experience my Police report AGIAN, my Identity theft affidavit, the letter that dismissed me from the responsiblility of the the debt from the ORGINAL. Data furnisher and the prodding that they were reporting fraudulent inaccurate information. 

Instead of removing the debt, they sent me a EMAIL ( which at this point I only want to communicate through mail due to that fact I need to collect evidence because they continue to violate my rights ). In the email they re- requested the information that Ive already provided them through mail, but information they already have in file. This not only prolongs the process, but now me and my XXXX XXXX XXXX daughter are sleeping in car because my lease expired in XXXX. The complete disregard to not only My consumer rights, out my protection provided under the FTC and FCRA as a innocent identity theft victim continues to be violated and abused by these CRIMINALS. I dms and that this company be held responsible for their violation of my Consumers rights and the federal 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 2023-01-21
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to XXXX without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

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 2023-04-07
Company: Experian Information Solutions Inc.
State: CO
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:
For the second time in two days, my Experian account has been compromised. I did all of the necessarily steps to reset my password and pin and security question, and enabled two-step verification. I received an email today at XXXX. that said " You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX. '' When I logged into Experian, my email address was changed to something that was not mine, and the phone number was changed to something that was not mine. In addition, the 2-step verification was turned off. I suspect that someone can just click " I forgot my password '' and answer all of the security questions to get back into my account, and then change it to their information. If they can keep getting into my account, they can unfreeze my credit and continue to apply for credit cards with my information. Experian is doing nothing to fix the 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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.

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 2021-02-14
Company: EQUIFAX, INC.
State: MD
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:
Account was charged off several years ago however continue to update as past due. I have disputed. Attached documents shows last delinquency first reported as XX/XX/21 falsely damaging my overall payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
On XX/XX/XXXX, the Banco Popular De Puerto Rico ( BPPR ) inquired my credit ( XXXX  ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the BPPR ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the BPPR promised to request the elimination of the inquiry dated XX/XX/XXXX. 
I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with XXXX to which I proceeded to make another claim, the BPPR 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the BPPR to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. 
This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. 

Thanks

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 2022-08-29
Company: EQUIFAX, INC.
State: AL
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 ( Account, XXXX  Account # XXXX ), has violated my rights. 

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

Company response to consumer: Closed with explanation