BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
There are accounts reporting on XXXX that dont belong to me. The accounts are listed.

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 2023-07-24
Company: Thaxton Investment Corporation
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Heights Finance has not updated my balance paid or reported to all three credit bureaus they have not reported an updated balance since XX/XX/2023 and I am not late on my payments, I am entitled to this information as it is my credit report and I am the creditor. My credit was suppose to increase with on time payments but they are not reporting and it is a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: GUARANTEED RATE INC.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I found a new home and were interested in purchasing. Our realtor advised us to make a strong offer with no contingencies as there were already 8 pending offers on the home. In doing so, we knew we would have 2 mortgages for a period of time until we sold our current home. Our offer on the new home was accepted and we began the process of obtaining a new loan. My wife and I are both veterans and decided to use my wife 's VA benefits for this loan as she had not previously used them. We were nervous at the thought of having two mortgages, but both our realtor and lender advised us of the option to " recast '' our new loan after we sold our current home. We asked about this several times throughout the loan process and were told every time it would not be an issue to do the recast and we would be informed of the process. We closed on the new home in XXXX of XXXX and began the recast process. After numerous inquiries, our lender, Guaranteed Rate, LLC, finally sent us all the paperwork and documentation stating the adjusted mortgage loan payment for the lump sum amount we would send in. We completed all of the paperwork as directed and sent it in, along with a {$300.00} processing fee. Within a few weeks, we received notice we were not able to recast our loan, as it was a VA loan. After going through this process for 2 months, asking questions, following all directions explicitly, we are stunned and angry our recast was not approved. Guaranteed Rate, LLC, has applied our {$390000.00} lump sum payment from the sale of our previous home towards our new loan, however, the monthly payments have not been changed as we were promised. Our lender from Guaranteed Rat, LLC - XXXX XXXX, is a Vice president at the company and as such, we assume is versed on all lending policies, or at least have the resources to verify information. His response was to attempt a refinance of the loan at our cost. This is not acceptable to us as this was not our error. We have previously attached all the paperwork we received for the recast process, including the initial approval and recast of the loan, to the money sent, to the denial letter. They are available and I will resend them if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!

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 2023-07-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law about an alleged unpaid balance from XXXX XXXX XXXX XXXX. I disputed the amount owed outside my co-payment and what was paid through my employer. I since then never received any other communication from the XXXX XXXX XXXX about owing any balance. I sent two letters detailing to this attorney 's office that I dispute the amount owed and that I don't owe this amount, but in good faith asked for an itemized bill to show what their accusing me of owing, which I never received. A letter date XX/XX/2023 stated that the account was sold to XXXX XXXX XXXX, and that they're attempting to collect the debt on there behalf. I never had any correspondence with XXXX XXXX XXXX about them purchasing a debt in which I'm responsible for. The bill from the hospital shows a balance of {$0.00}, but a typed letter without a letter head was attached with my name an alleged balance. I do not owe the hospital or anyone any money and I wish to stop being harrassed by this The Law Offices of Mitchell D. Bluhm & Associates , LLC on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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 XXXX XXXX, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress.This was my 5th attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that are reporting to my credit file held with credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened my account. I need the following items removed from my report ASAP : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXXXX XXXX XXXX Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX LOAN XXXX for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Bread Financial 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: Account status incorrect

Complaint:
Comenity Bank continues to display unethical practices. Attached I have two different credit reports. One from XXXX and one from XXXX. Both directly from each credit bureau and both show completely different information. On XXXX they are reporting the account as written off. I advised them I never received a Form 1099-C for the {$600.00} or more of a debt owed to them. Because they know I never received the 1099 from them they have attempted to update the file with sold to another company. I have kept a paper trail and I am more than willing to take this to court. 1099 C forms are supposed to be mailed by XX/XX/XXXX of the following year to recipients. It is now XX/XX/XXXX of the following year. The debt was closed in XXXX of XXXX and written off as a loss per my credit report. Which wasnt even updated until XXXX of XXXX. This could have caused a tax liability on my part. Also there are inconsistencies on reporting with each bureau. Either delete this from my credit or I plan on taking this to court!!! There have been several class action suits towards this company for their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Mobiloans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting angency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: SC
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 have disputed 2 times with Experian, a bankruptcy on my credit report. They have both times dismissed my complaint stating it was " verified '' through XXXX XXXX. My information was suppressed through XXXX as of XX/XX/2018 a year before this suppression request ( I have an email to prove it ) and also I have spoken with the Bankruptcy court who stated that they do not deal with credit reporting agencies and have not spoken to anyone there to " confirm '' an bankruptcy that is showing up on my public record. XXXX  and XXXX have already removed this public record and as of 2 investigations, Experian has failed to remove the public record as required by law. I think someone from that company is committing fraud. I have documentation to support all of my claims and can send it upon request.

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 2018-11-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an ongoing dispute with PayPal. I had some unauthorized transactions that came off my account. 

The company claims I am being refunded, but I have been told multiple conflicting stories. I also would like to mention that the California Attorney General is involved now as well. Now as of late Paypal will not respond to any of my e-mails. 

I need Paypal to explain to me where the refunds are. When I will be receiving the refunds as well. I am attaching several messages from several different departments where Paypal says the case XXXX has been updated from authorized to unauthorized. The only reason I am writing this is because it seems some other agents are not knowledgeable and saying I am not being refunded. None of these are refunded to my account. Not one. Also attached is messages from the merchant that I have never had an account with them. 

Case details Case ID : XXXX Date reported : XX/XX/2023 Transactions refunded XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX  XX/XX/XXXX XXXX Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX CRYPTO.COM XX/XX/XXXX, XXXX - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment XXXX PayPal Debit Card Transaction ID : XXXX - $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: National Credit Adjusters, LLC
State: TX
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 have dispute this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. 

In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Today XX/XX/2022 received phone call from Experian XXXX @ XXXX pm spent XXXX min on call with representative he indicated to me no mater what a court or judge says they dont have to comply with removal of such however they removed XXXX Collection PLEASE NOTE XXXX XXXXXXXX XXXX XXXXXXXX AND XXXX WERE DISPUTED AS WELL PUBLIC RECORD XXXX XXXX XXXXXXXX AT THE SAME TIME REGESTERED LETTER OVER 30 days ago still pending Experian has demonstrated poor ilegal practices as well indicated that third party XXXX replied to my dispute a proven lye SEE RECENT CORRESPONDENCE ATTACHED PRIOR

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 2019-04-02
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hyundai capital America has reported that I owe a remaining balance of {$980.00} for the Hurricane Flood that totaled the car and I had Gap insurance along with full coverage. There should not be a remaining balance due and it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, my name is XXXX XXXX, and XXXX years ago I had lost my debit card and I think somebody had tried to scam on it. I didnt realize I have lost my card until I had to use it and then I went into my app and it was telling me that I dont have an account anymore, because somebody tried to use my card and put a significant amount of money in my account I tried to make an account for a different bank and he wasnt letting me I had got a letter from early warning about it and I dont know what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX Original creditor CAINE & WEINER XXXX XXXX XXXX XXXX XXXX {$250.00} Open balance XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
4 phone calls from PayPal credit between in 7 hours is excessive. I am at work Im not answering their calls. 

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 2023-07-25
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
So I first had a wrongful repossession but I just returned the car I didn't want to deal with it anymore and was told the money I already gave them would be returned to me and now there saying there not giving it back to me after on a recorded line I was told that they would send a check that it will be to me within 20 days I waited 20 days no check called back they said that information was incorrect they would not be sending a check instead it was processed on the XXXX of XXXX to be returned to my bank card I paid within 5 days I waited 5 days now there saying that they don't owe me any money and the account is closed and everything I stated is on a recorded line thank you

Company response to consumer: Closed with explanation