BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
TO WHOM THIS MAY CONCERN, I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those inquiries be removed. 

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 2023-05-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to express my deep concern regarding the repeated violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) by, XXXX XXXX, and XXXX Credit Bureaus. These violations have caused significant harm and distress, and I am seeking compensation in accordance with the provisions outlined in the FCRA. Here is a copy of the letter sent to the Bureaus. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Keller Mortgage ( a subsidiary of XXXX XXXX XXXX ) is counting on their size and political clout to get away with deliberately deceptive advertising. They are also trying to force their real estate agents to steer their clients to the mortgage company by scaring them stating " you will face class-action lawsuits if you don't offer them the Keller Mortgage offer '' ( this is illegal steering ). This scare tactic was part of their recent Vision 2018 presentation where XXXX XXXX, head of XXXX XXXX XXXX is giving a motivational speech to his real estate agents. 

I know that the CFPB is now essentially gutted and will probably ignore my complaint, but I challenge you to do the right thing here. I will NOT be the only one reporting these violations. I realize that the CFPB is now beholden to the big banks and other billionaire buddies of XXXX. XXXX in charge of the CFPB is like the proverbial 'fox guarding the henhouse ', although I agree with Mulvaney that the CFPB should be accountable to Congress and should have it's budget controlled by Congress like other government agencies. 

The ads are recent ( within the last 2 weeks ). I am submitting fall under RESPA, and Fair Lending laws ( the ads demonstrate 'disparate impact ' by requiring loans over 150k, thereby discriminating against lower-income areas and minorities who disproportionately occupy these areas ). They fail to disclose APR, and other key terms as required. Once a real estate agent places such ads, they are acting as an MLO and required to possess and disclose their NMLS number and of course, those are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Chime Financial Inc
State: NY
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:
On XX/XX/2022 an aunathorized charge {$310.00} was done from XXXX. XXXX caught the charge informed me I told them to stop but the money was already withdrawn from my CHIME account via my debit card which is saved on my XXXX account. 

I informed CHIME of the unautorized transaction and they started an investigation. 

XXXX also did an investigation and they emailed me confirming it was indeed unauthorized. Since I started an investigation with my bank XXXX said they had nothing else to do CHIME would/should request their findings but I called XXXX and they informed me CHIME did not request any information at all from XXXX. 

Chime basically said because my card was in my possession and in the past year I have used XXXX for other transactions it was determined to be authorized. Unprofessional and lazy investigation from their part. 

I appealed them provided the communications with XXXX and they basically told me nope too bad sorry you dont agree. I asked CHIME to provide me with their " investigation '' documents and they havent provided me with anything. It is now XX/XX/2022 and I am still trying to get my money refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It started with XXXX XXXX XXXX, they told me to miss a couple payments and they could do a modification. I returned the usher, and each time they would say I didn't turn in a certain page, I'd resend, and then it'd be another page. Long story short they made s sell date and I called the Tennessee General attorney, who then called XXXX, and the next day they sold my loan to Nationstar. They said the modification would transfer to Nationstar. I called nationstar multiple times and they kept saying it'd take time to receive it. Next thing I know I'm getting foreclosure papers. The fees they were charging were more than what I originally owed. I couldn't come up with $ XXXX so I filled a chapter XXXX bankruptcy. I paid on my bankruptcy got three years, and my lawyer advised I should cancel the bankruptcy and pay the issues due. He stated he speak with them. My bankruptcy closed in XXXX, and I have a sale date less than three months later. I received an application for a modification to weeks ago that was date for XXXX. I never received any papers about foreclosure. A couple was outside my home, and u asked if I could help them, and they advised my home was listed for sale. I immediately called Nationstar ( Mr. Cooper ) who advised me of a sale date less s week and a half away. I asked for a reinstatement amount, and was advised I had to pay {$11000.00} by Monday XXXX XXXX XX/XX/2019 by bank wire transfer. They never notified me of foreclosure, they wouldn't work with me at all, even though I had the money to catch the loan up, and again, they are charging more in fees than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Avant Credit Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Avant has miscalculated our loan and refuses to fix this. I have been told that this is what we agreed to, and even though they know that they are overcharging us, that we have to live with this. 

The total interest that should be paid on a 48 month loan at 29.1 % should be {$8800.00} over the total life of the loan. We have already paid over that at {$9500.00} in just 3 years. They refuse to recalculate this and refuse even to give us credit on larger payments that we have been paying. 

Please see the attached payment schedule. 

Thank you so much for your help, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: SC
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 my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2019-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to all three bureaus and placed a Fraud Alert on my Credit File. I have also contacted both the bureaus and the Creditors individually to no avail. I have filed an FTC Identity Theft Report. Awaiting dispute decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: WA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-09-10
Company: GOLDMAN SACHS BANK USA
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, ( XXXX XXXX XXXX Bank XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Comerica
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was arrested and remained in jail from XX/XX/19 thru XX/XX/19. During this time my debit card that I receive my XXXX XXXX  XXXX benefits on was used and completely drained. All of which were online transactions. I sent proof of XXXX. I have never purchased any games nor do I have any XXXX  or a XXXX acct. Never have. My identity and truck were stolen earlier this year, which ties in W the XXXX. This most recent theft of my personL property and debit card just makes my losses compound. My parents/family are all deceased so I have been staying w people IDK. I'm on my own and NEED my money back. WHEN TOLD MY DISPUTE WAS COMPLETELY TURNED DOWN, 45 DAYS LATER, AND THERE IS NO APPEAL PROCESS AVAILABLE I TRIED CONTACTING THE MERCHANT 'S I HAVE INFO ON HOW TO BUT HAVE BEEN TOLD BY XXXX THEY'CANT HELP ME  W/OUT THE OLD DC # WHICH DE CANT GIVE ME. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: ACIMA CREDIT, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a verification of debt letter to the company, along with a copy of my driver 's license and they responded with a letter stating that my dispute was " frivolous or irrelevant '' and that I " did not provide sufficient information to investigate '' even though it included the first five digits of the account that is in question, my contact information, along with my signature for them to provide information. I have included a copy of my dispute letter as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Was told that there was no monthly fee. When found that there is want to cancel

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 2023-09-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In 2019 {$860.00} was taken from a credit card extended by XXXX XXXXXXXX XXXX 
To which time I was XXXX in Federal prison making this an impossibility. 
Someone fraudulently used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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 previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to EXPERIAN 's lack of response which I classify as frivolous, CREDIT BUREAU has dishonored FCRA regulations and my request for verification. If EXPERIAN wish to correct this dishonor, I will give EXPERIAN one more chance to correct their errors and update my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed below : XXXX  XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided. How can you report this account as Included Bankruptcy when my record shows that this account was Paid as Agreed and Balance is XXXX. Modify and perform any corrections or FIX this from my file.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: ME
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:
Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a XXXXL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a XXXX release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( Experian, XXXX, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a XXXX collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what XXXX XXXX I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a XXXX authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with Experian, XXXX, and XXXX, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of XXXX if they had access to this information. I am hereby DEMANDING that this erroneous collection account from XXXX XXXX XXXX be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my XXXX rights.

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