BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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:
CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Block, 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:
Cash app after I deposited money into my account, XXXX dollars were taken saying they are correcting a transaction error that occurred between XX/XX/XXXX and XX/XX/2023. Apparently, they are taking money from everyone 's account and saying similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
If you know someone's email address, You can go to https : //www.paypal.com/signin and select " Login with one-time code ''. If that person has an account with PayPal, PayPal will in response give you the first and last four digits of mobile number associated with that account : XXXX Then PayPal will text a 6 digit login code to that phone number and allow you to login to that person 's PayPal account using only that 6 digit code. 

This one-time login code bypasses any two-factor authentication you may have setup. 

I received two text messages from PayPal this morning from unknown person trying to login to my account using this one-time code process. 

What XXXX  designed this totally insecure login method that reveals half the digits to my phone number to anyone who knows my email address? How many people will have their PayPal and other bank accounts compromised because of PayPal 's stupidity?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustments never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on on me. Attempting to illegally collect a debt that is not owed specifically XXXX XXXX XXXX is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. I just got this deleted with XXXX XXXX XXXX and in less than 1 week diversified adjustments placed this on my credit report without giving me proof that this debt is mine or giving me a chance to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Advanced Resolution Services Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted ADVANCE RESOLUTION SERVICES requested a full file disclosure, extended fraud alert, consumer statement, security freeze. Company has refused all of my request log # XXXX File # XXXX. Last contact XX/XX/2022 and XX/XX/2022. Put company on notice that I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from AMEX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an AMEX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they?

The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from AMEX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle and financed through BMW. The payment is on auto-pay via my bank. I have sent in additional funds to pay down the principal ; there is not a penalty for doing so. However, instead of immediately applying the additional funds to the principal in order to keep from accruing the daily interest, the company is placing the additional funds on hold towards a future payment. I called the company and the finance officer told me they are doing this to help me out, just in case I am not able to make a future payment. As stated, the payment is auto-paid. He indicated that the additional funds will be applied to the principal if I go in and request a pay-off quote, the date of the request will reflect the application of the additional payments towards the principal. I feel this is a scam and unethical. I am paying the payment in full and sending in additional funds to be applied to the principal. Instead of immediately applying the additional funds to the principal, they are sitting on the funds, while the account continues to accrue daily interest. 

IF they insist that the account is not accruing additional interest, then make it so that the additional funds paid ( beyond the payment due ) are immediately applied and not held towards a future payment. I am only required to make XXXX monthly payment. Beyond that, any additional funds submitted should be immediately applied to the principal. Who are they to manage my finances and place funds on hold to determine whether a future payment will / won't be made. They payments are on auto-pay. They will receive their monthly payment. The manner in which they are managing my account is unethical. I'm really surprised to have this experience with this company. I thought BMW was above this type of consumer abuse. Particularly since I feel I have been a loyal customer. BMW is/was my brand. 

This is a major company. I do not understand why the need to play games with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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. 

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 has violated my rights. Or list of inquiries 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 2023-08-22
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is reporting inaccurate information on my Consumer Credit report. I have disputed this, and Experian did not follow the FCRA and related regulations designed to protect consumers ' rights to accurate and fair credit reporting. My rights are not being upheld and I am addressing this issue and requesting all information pursuant Rule 1002 on 15 USC 1666b.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: AR
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:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX   XXXX {$0.00}

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-16
Company: Experian Information Solutions Inc.
State: AR
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 first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-20
Company: Dovenmuehle Mortgage, Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXXrviced my conventional mortgage which was paid and closed on XXXX. Upon closing, there was a remaining escrow balance of {$1000.00}. 

On XXXX a check was supposedly sent to me to clear the balance. This would have satisfied the 12 CFR 1024.34 regarding timely escrow payments. I never received this check. 

On XXXX, after reviewing personal documents, it was discovered that the escrow check had not been received/deposited into my account. A call was made to XXXX XXXX and a 60 day work order was submitted to investigate and re-send the check. 

On XXXX, no check had been received and no information had been shared, so a follow-up call was made to XXXX XXXX No new information seemed to be available, so an internal expedited request was submitted. 

On XXXX, no check had been received and no information had been shared to me. At some point along the way, the work order had been re-submitted and check had been re-ordered. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX It was shared that the check had been re-ordered on XXXX and that a check might have been sent on XXXX, but no confirmation could be made available. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX. During this call, it was indicated that the check had been sent on XXXX and that it should arrive within XXXX business days ( no later than XXXX ). 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX During this call, a new expedited request was submitted, but no resolution was reached. I spoke with multiple supervisors and managers. One of which revealed that no actual request had been submitted on XXXX, and there was no evidence of a check ever being cut on XXXX. 

I have yet to receive the escrow check or any tangible information regarding the payment. All along the way, no email, digital communication, direct point of contact, work order ID number, or any other convenient mechanism to track the issue has been made available. When asked how to submit a formal complaint, XXXX XXXX XXXXnvited me to send them snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 accounts 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 U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydischarged Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : -

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