BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: PA
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'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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: PA
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'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 I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Fold, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Basically I was trying to add my card Fold Bank card to my XXXX XXXX. So once I added it in then clicked next, here it was asking me to verify because I never added card so then i clicked next again, thinking the verification was going to come to my phone number ( current ). While waiting an realizing that it was not coming so I clicked wallet again seen that it had my old number ending XXXX. So then I emailed fold cusyservice basically told them my situation, and I was at at work so not only that work at the hospital, so here it is I received a email from them stated thanks a person will be with you XXXX right so then I replied okay whatever on the email an then here was someone contacting me an they requested photo of my license, selfie, and wrote the date.. so what I did mind I work at hospital I cant just leave to go to the break room my belongings are in a locker, I took one of my selfie and the same screenshot of id and I pasted it to the the selfie that I had cropped out and added an wrote the date of XX/XX/2023 on the pic sent it the link that I was suppose too an got the confirmation an until this morning.. I checked email .. an 10 something I clicked on saying thanks for the information that u submitted XXXX right that we are closing your account hold I just received my money that I got paid for XXXX  had the bank for a while money purchasing points building up XXXX  on my account tan you cant call them every thing is email for support which is stupid.. and not only I have screen shots but like I was saying you I was also told that for the money in my account will be sent a check an km like wow XXXX irritated an all because I just got paid on the XXXX an I was recieving money on my card tomorrow an monday .. thats my only card source no vehicle irritating .. so its wrong wrote now all. Of sudden at XXXX something its this we can be reach or will get back to between business hours Monday Friday XXXX petty still been checking email havent got one since to see what the XXXX is going on you know

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX with the XXXX XXXX XXXX account number XXXX. This company tries to charge me on the equipments I already sent them back through XXXX. They provided me with a email that how I can send my equipment and I did exactly what they did. But after a while I saw a report on my credit report that I owe them money for the equipments. I showed the collection agency the tracking number and the case was removed from my credit report. But now again same report appeared with different collection agency for the same account again. Now I am not in the position of the tracking number after a year but Im sure the ups store does have the tracking number since they have contract with them. This act is a fraud because they want to charge me for something I already paid them back. I canceled their service after a week I used their service because of poor connection I had with XXXX XXXX XXXX. They also opened two account under same device for the same apartment number. They promised to escalate the process for me but every time I call them they wont get any result from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XXXX/XXXX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



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 2019-08-28
Company: PLAZA HOME MORTGAGE, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I mailed my first mortgage check to XXXX on XX/XX/XXXX for {$1800.00}. XXXX XXXX  received it and signed for it on XX/XX/XXXX. No payments were applied we started receiving calls regarding missing payments. I called the escalation team due to agents were confused. Manager stated they did not receive check if i may send them proof of check and proof that it was delivered to correct address and signed for. I faxed over all information needed to resolve this issue as soon as possible. Manager stated he will call me back. No call received i followed up, they have not yet found my check. Manager stated please give them more time, i have been very patient with this company regarding the check they have lost. I followed up again due to no call was made, escalation manager stated they found check but was unsure as of why cash management team has not applied funds to my loan. Was asked again to provide more time manager emailed cash management department inquiring my check. Two weeks past i have been following up due to now im receiving calls and mail that my payment is past due etc. I speak to manager again they stated cash management has yet to respond to his email and he apologize for bad experience we are having and miscommunication since day one. He stated he was going on vacation and will follow up with me once hes back. He returns i receive no call i have to call again, he stated he has to involve his supervisor since he has not heard anything back from cash management, at this point its already XX/XX/2019 and my check is still not found and no solutions at all. Manager called me stating that he has heard back from team and they don't know where my check is that check did not have loan number so someone had to send it back XX/XX/XXXX and never did. My main concern is where is my check this is a huge inconvenience. This is the worst first home experience i have ever received. XXXX XXXX  now wants me to attempt to place stop payment with my financial institution due to they lost the check .Which will not benefit me my accounts is still past due for a check they have lost and bank will not return funds for 90 days. Please help me resolve this and that this does not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Investigation took more than 30 days

Complaint:
Greetings, Both my loans with XXXX XXXX LOAN # : XXXX & LOAN # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to XXXX with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX 
I have changed my auto pay date for the XXXX  of each month to avoid this issue in the future all together. 

I have attached : XXXXXXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX  XXXX  letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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 2023-03-25
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CCS Collections Agency trying to collect a debt already paid. XXXX XXXX XXXX XXXX XXXX  for auto insurance payment I purchased on XX/XX/2021 at auto dealer. I paid {$240.00} and I sent a email to XXXX XXXX cancelling the policy XXXX XXXX, on XX/XX/2021. I want validation of this debt. Also CCS Collections is violating my rights 15 U.S. Code 1681a ( 2 ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.

15 USC 1681a ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.-The term " credit or insurance transaction that is not initiated by the consumer '' does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of- ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I looked up my credit report on XXXX, I noticed these accounts were in collection. Two accounts went to this agency. Below I describe all the details I know but I'm also going to have them verify this debt with a letter requesting more information.

Account Name : Overton Russell Doerr Open Date : XX/XX/XXXX & Open Date : XX/XX/XXXX Balance : {$250.00} Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Majority USA, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account open with Majority, a XXXX XXXX  operated by Majority USA , LLC and backed by XXXX XXXX. 

On XX/XX/XXXX, they sent me a message stating " After a review of your account, we have made a final determination that we are unable to continue servicing your account. As a result, your account will be closed as of XX/XX/XXXX. Please ensure that you bring your balance to {$0.00} prior to the above date, or complete the attached balance transfer form and we can transfer your remaining balance to another account. 

I sent them the balance transfer form via email to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I had no response. 

This is now my final effort to collect the remainder of my balance in the account. I do not know the exact amount that was left, but I think it was around $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I been making payments ahead of time and sometime sending extra money to be applied to the principle and i have statement to. The show debt the balance goes up instead of decreasing after i am paid at front all the time my total amount dude show {$0.00} and but carmax sent statement with amount {$3800.00} on XX/XX/2022 and on XX/XX/2022 they sent one with my balance XXXX how is posible when i paid ahead all the time and my principal is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have not been able to access my free annual credit report through : XXXX  Transunion I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.

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 2022-08-18
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I pulled my consumer report to find ProCollect Inc is reporting inaccurate information on my consumer report on XX/XX/2022 I sent a letter ( USPS Tracking # XXXX ) requesting to validate the alleged debt. On XX/XX/2022 ProCollect Inc responded with a letter dated XX/XX/2022 alleging that the debt was valid without the requested documents to validate the alleged debt.

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 2020-05-13
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 belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to lift a security freeze on my file with Experian in connection with an application for an auto loan. The freeze telephone number did not work for me ( the IVR responded as if there was no freeze, but the auto lender said it was frozen, and I previously had placed a freeze ). I also was unable to establish an online account with Experian to lift the freeze ( the site kept responding that it couldn't open an account for me ). 

I tried calling various numbers but only got IVRs that didn't address my problem and I was unable to reach any human being. I also e-mailed senior representatives of Experian but received no reply ( see attachment ).

I ended up having to write to Experian to lift the freeze. I received a letter confirming the freeze was lifted almost two weeks later. In the meantime, my auto loan application was declined, and I received a notice of adverse action for an " incomplete application. '' And I still can't open an online account with Experian including to later reinstate a freeze to this day.

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 2023-03-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid 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:
This card was only used once, fraudulently. I rented a moving truck to move but my house flooded and I needed to delay my move. So within the same day I called both credit card and rental company. They told me to deliver it back by XXXX and there would be no fee. 

During the course of this and inquiring about payments, the moving company actually tried to reverse the initial charge. MORE THAN ONCE. The credit card company did not authorize it, so it didn't get credited back. I opened a dispute with them, but they ended up charging even more. 

I didn't use the truck. It was returned within 12 hours of getting it. The rental agency tried to refund the charge and it's all USAA and their inability to hire competent representatives. 

A cancellation with the truck company would have been a small fee. But because USAA screwed up processing the reverse charge, they are charging me for the price if I actually used the truck, and not the small cancellation fee in the contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief