BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NM
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 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 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 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 XXXX XXXX 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 explanation
Consumer complaint received 2021-12-28
Company: U.S. Auto Credit Corporation
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:
US Auto is reporting a closed account as having late payments. I had a vehicle financed through this company that was traded in prior to my payment date. It was paid off through the Company That I Traded it to. This was XXXX XXXX. They have constantly kept this false report on my credit.5 XXXX XXXX sent them a check on XXXX for the payoff. Yet they have false late payments reporting as of XXXX - XXXX. I ask that this please be investigated because Im positive that Im not the only one that they have hindered from progressing. This should be illegal and I wish to be compensated by the removal of this on my credit and added as having no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Tried to get annual free credit report from Equifax from XXXX. 

After answering several questions correctly, I am advised I can not access online and I need to request by mail and send several proof documents. 

This is really ridiculous - either I have a right to see my credit report every year or not - this is a scam to make it difficult to obtain what I have a have right to by law. 

Please address this ridiculous process so that we can get what we are legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX, Convergent Outsourcing is blatantly reporting to credit bureaus false information about a debt I do not owe to XXXX that dates back to 2013. Account was closed and no monies are due.

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 2023-11-06
Company: EQUIFAX, INC.
State: NC
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:
Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2013, I received a payday loan from a XXXX XXXX XXXX place at XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN. Since the lapse in time from receiving the loan, I do not have records of communication attempts or record of loan terms. I have no paid in full notice or any documents from ACE. Today, XX/XX/XXXX, I received a call from XXXX, CA XXXX. I was transferred to XXXX XXXX and spoke to a XXXX XXXX. XXXX gave me personal information like past addresses, last four of my social former place of employment, driver 's licence number, bank name and routing number and birth date. She also disclosed a past email address. She told me that I owed XXXX but that her agency would take a settlement payment of XXXX over the next 4 months. I set up payments to start on XX/XX/XXXX. After doing further research, I found that XXXX XXXX was not an official collections agency and found no information online. I called XXXX again to ask for an address, the rep did not want to disclose. I never received any official documents via email as XXXX stated I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i was denied of buying a house due to incorrect information reported on my credit report as of XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive any paperwork or phone calls concerning my debt being garnished from my paycheck from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is the second time Xoom did to me. They hold on to your money in the name of security and take a very long time to transfer! This is against their advertisement! I did a transaction to my nephew in XXXX on XX/XX/XXXX in the amount {$4400.00}, it took 4 days to transfer the money!! I did send money to my nephew before and he was already in the system so this does not make sense to delay the transaction. I had to call them twice and only then they released my money to my nephew! Proofs are attached below. 

Most recently I tried sending money to my cousin in XXXX in the amount {$2900.00} on XX/XX/XXXX. Again they have put a delay to my transaction under the name of security. I called them up and they said its their partner who are causing delay but the strange thing is that the recipient is not new! Its already in the system and I have done transactions before to the same person before! Its been more than 20 hours and my cousin still did not receive his money! Proofs attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was sent to collections with no knowledge never sent validation letter or email or call. The debt in question I do not owe, as the landlord kept my security deposit and told me I can move out and they will keep it and I also have texts to prove it. Than they tried to submit bogus damage charges they claim I did to the house and I told them that I needed a break down of charges including time spent performing the repairs which they never sent only a text breakdown. I agreed that the screws in the wall where my doing but that's it. When I told them that the damages are bogus and told them we can just meet in court they never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please get rid of Experian. I put a temporary freeze on my credit almost 2 years ago. I have not been able to get it removed. I lost purchase of car last XXXX because no one- not me, not bank, not dealership could reach a live person to help. I have written to them several times asking the. To remove freeze. I finally received a written response from them saying they extended for another per my request. I am extremely frustrated with the lake if accuracy in credit report ; which I am also filing complaints, lack of ability to reach a living person, and inability to get this removed. The number I was given to call to remove it only offers to start an alert. I have complained through this site serveral times with no 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 2023-01-06
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, My name is XXXX XXXX and I am having a problem with Freedom Mortgage Corporation located in New Jersey. In XXXX I obtained a loan with XXXX XXXX XXXX XX/XX/XXXXlocated in XXXX, Washington. I'm hoping to get to attach page XXXX of the related Deed of Trust. In XXXX the loan was purchased and assigned to Freedom Mortgage Corporation. I'm hoping I can attach the Assignment. Around XXXX I paid of the loan balance in its entirety. The XXXX XXXX department at Freedom Mortgage has these documents because I faxed them both to them at XXXX I am now in the process of selling the property that this loan was secured to, but am unable to do so because Freedom Mortgage Corporation never reconveyed the Deed of Trust, so their lien still shows on the property. 

The title company XXXX working with, XXXX XXXX XXXX, XXXX located in XXXX, Washington, and I have had several calls with Freedom Mortgage attempting to get them to help us. The closing on the property has been delayed and the transaction is at risk of not closing. Prices are dropping in the real estate market every day. If this deal collapses, the property will likely not sell for as high a price as it would if it closes now. 

Freedom Mortgage is unable to locate the loan number and therefore does not want to address filing a reconveyance. I was just on the phone with them for over an hour with XX/XX/XXXX XXXX XXXX XXXX. My old loan does not show up in their system. Logically, if I have provided them the assignment of the loan to Freedom Mortgage that they recorded with XXXX XXXX, and I do not have a loan balance showing up in their system, the loan must have been paid. Unfortunately, when the loan was paid they did not bother recording a reconveyance. The have told me that their records from that time period have been purged and my old loan does not show up in their system. 

I need Freedom Mortgage to record a reconveyance with XXXX XXXX before the proposed buyer of my property walks aways from the transaction.

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 2022-02-02
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I never received noticed from XXXX about the warning to forward to collections. I never was warned that it would be sent to collections when it was. I use the app to pay what I can on it and my recent payments were in XX/XX/2022. I was paying what I could and it just got sent to collections without notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a report with the FDIC recently then shortly after they recieved the complaint they took the power of me using my account it was a hassle to get my money back and I was charged for my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a VA Mortgage Loan Refinance on XX/XX/2019. I told the sales person on two occasions that I was separated from my wife and that I was refinancing the home that I purchased last year on my own and without my wife like I did with the purchase. 

A notary came to my house on Friday, XX/XX/XXXX with the loan docs to complete my transaction. I was shocked and dismayed that they had documents for my wife ( separated ) to sign. My loan representative XXXX XXXX | NMLS ID XXXX | Loan Officer | Real Estate Originations went on vacation and I can't get a returned phone call from the person he said was handling my loan. Now they say they can't even do the loan because I am married and in Colorado the wife has to sign on all Mortgage loans. They ran my credit, wasted 30 days of my time and they knew from the beginning that I was refinancing the house in my own name. If I was able to purchase the house in my own name why can't I refinance my home in my own name. 

I am a XXXX XXXX veteran and this has been a very stressful experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information on the credit report with transunion.

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 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
the card if my American Express business card. from time to time I am late on a payment. strictly because i get busy and forget. on my XX/XX/XXXX closing date, i was XXXX day late but paid in full. on my next statement i expect a late fee and some interest. I was late and I paid it. that would be the closing date of XX/XX/XXXX. note : this statement was paid on time and in full. 

on the XX/XX/XXXX closing date statement, i notice interest. I called, they said it was interest from the XXXX day late statement. back on XX/XX/XXXX. when you ask, they can not explain it. 

XX/XX/XXXX statement : XXXX day late. which will generate interest on the next statement. 

XX/XX/XXXX statement : late fee plus interest from XX/XX/XXXX statement. statement is paid in full. 

XX/XX/XXXX statement : has NO late fee but more interest from the XX/XX/XXXX XXXX day late. 

how and why : the XX/XX/XXXX statement that included the late fee and interest from the XX/XX/XXXX XXXX day late was paid in full. Hence that stops all interest. you are not charged interest if you pay your bill in full. 

now I dont care what the hidden rules state on the card. this bureau was set up to create fairness and protect consumers. 

I did not mind paying the late fee and interest on the XX/XX/XXXX statement. but if a person pays that statement in full and on time, the interest should stop. under this situation, when will the interest end???? where in my contract does it clearly state if you are late or fail to pay your balance in full, the interest will take XXXX, XXXX or XXXX statements to zero out. 

how do you zero out the interest? that needs to be crystal clear and it is not. this is a scam. and when i called, they can not answer the question. they can not show you in the card agreement where it states, it will take X months to zero out. 

and how does XXXX day late generate interest when the bill is paid in full? i understand it generates a late fee but not interest. your only suppose to pay interest if you carry a balance. 

the entire issue is very simple : how do you zero back out on the interest when you are paying your bill in full every month??????????

Company response to consumer: Closed with explanation