BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: CBC Companies, Inc.
State: MI
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:
Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to the US DEPT OF EDXXXX, and XXXX Bank XXXX as reported, and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Charge-Off Credit Card and Student Loans that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than a Charge-Off Credit Card that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Student Loans, and Charge-Off Credit Card. 
Immediately, DELETE ALL records of the following alleged Charge-Off, Student loans, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

1. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report XXXX XXXX XXXX Secured Credit Card Charge- Off XXXX XXXX  Please DELETE from Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was unable to finish paying this credit card due to financial hardships and an ending of a relationship that left me in a lot of 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 2023-05-31
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

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 CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXAccount # XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Central Mortgage Funding, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint about Central Mortgage Funding , LLC based out of XXXX MI. Other following trade names : Central Mortgage Funding ; Central Mortgage Funding XXXX XXXX LLC ; XXXX XXXX XXXX. XXXX XXXX This company has been repeatedly calling me over the past 45-60 days after I have asked them multiple times to take me off their call list. At the beginning of the calls before I make my request I ask if the call is being recorded and some employees say 'yes ' and others say 'no '. 

One instance they called me 3 times over a two and a half hour span and every time I asked to be taken off the call list. 

The most recent call today XX/XX/ I was able to get the supervisor on the phone by the name of XXXX who claimed this was their first time calling. This was a false statement by the supervisor as they've called close to 30 - 50 times. 

I work a job that requires me to answer the phone all day with clients. This company is personally affecting my work production and my income by harassing me. 

This company is a disgrace to mortgage companies that seems to collect business by harassing consumers into working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this name XXXX XXXX XXXX XXXX XXXX name XXXX  XXXX XXXX XXXX name XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX acc XXXX name XXXX XXXX  XXXX XXXX name XXXX XXXXXXXX XXXX name XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX XXXX acc XXXX name XXXX XXXX name XXXX XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX XXXX name XXXX XXXX XXXX XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: KY
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:
When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX XXXX : {$4900.00}

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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 2023-12-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
NFCU denied me an extension of my credits on XX/XX/XXXX I requested that they retract my application. They ignored my request. 
NFCU has denied many times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none this access to my securities was a benefit to me. However, NFCU accessed my securities yet denied me based on a inaccurate credit score reading from XXXX. I never got my consent to XXXX to report anything on my consumer report i report anything on my consumer report. 


Attached is my Adverse action letter and invoice sent to NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a personal check to a XXXX XXXX XXXX XXXX XXXX XXXX for the company she worked fo. The amount was {$48000.00} on XXXX XXXX  by depositing in their XXXX XXXX account. Once it went through the banks system XXXX XXXX refused to honor the check I wrote the company. I have and will attached those documents. The reason being " irregular '' endorsement of mine and XXXX XXXX would not honor the check. and would be returned to the maker, which was me. The attached letter was sent to the company the check was written to. They in turn was very upset and sent me a copy of the letter XXXX XXXX refused to honor. The letter was dated XX/XX/. I was so discouraged I nearly had a breakdown. The Managers from XXXX XXXX and Citibank were not very helpful except ran an account report. One said from Citibank said he has seen this kind of letter and it was not worth the paper it was written on and the scammers do that all the time. I want my money returned to me as it has been so long. I have been waiting way to long without the bank ( s ) real assistance. My XXXX XXXX XXXX XXXX has been impacted by this terrible situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Happy Money, Inc.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a personal loan from this site, and on XX/XX/31 I paid off the remaining amount, which per their site was, XXXX. 

Three days later, it was still showing as pending, and I had to call customer service twice to try to push the payment through. They took a verbal confirmation and said it would go through today, XXXX. 

It didnt go through. When I called they attempted to charge me XXXX. I told them that I would not pay additional interest due to their system errors and after a lengthy back and forth with a supervisor, they agreed to charge the original amount. I am concerned the payment still will fail to go through and they will report my payment as late. If theyre making it this hard to pay off the loan, I can only imagine what theyre doing to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.

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 2023-10-10
Company: EQUIFAX, INC.
State: CT
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1100.00} 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation imposed on my PayPal account, under the email address XXXX. I firmly believe that this limitation has been placed on my account due to a misunderstanding or mistake, as I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user without any previous incidents. It is with great surprise and concern that I received the notification about the permanent limitation on my account. I have always adhered to PayPal 's terms of service and have maintained a clear understanding of the policies outlined by your esteemed organization. 

I kindly request that you reconsider and re-evaluate my case thoroughly. I urge you to conduct a comprehensive investigation into the circumstances that led to the imposition of this limitation. I am confident that a review of my account activities will reveal no violation of PayPal 's policies, as I have consistently conducted legitimate and legal transactions within the framework of the service. 

In light of the above, I respectfully request that you restore full access to my PayPal account. I understand that mistakes can occur, and I am hopeful that this limitation is the result of an oversight or misinterpretation. I believe in the fairness and integrity of PayPal 's processes and trust that my account will receive the attention it deserves. 

I kindly ask you to review my case diligently and provide me with a prompt response regarding the outcome of your investigation. I am eager to resolve this matter as soon as possible, as the limitations placed on my account have caused significant inconvenience and disruption to my personal and financial affairs. 

I appreciate your attention to this matter and thank you for your understanding. I remain confident that PayPal will reevaluate my case with the utmost fairness and rectify this situation accordingly. I look forward to a positive resolution and the restoration of my PayPal account. 

Should you require any further information or documents to assist in your investigation, please do not hesitate to contact me at the provided email address or phone number. I am more than willing to cooperate fully and provide any necessary evidence to support my claim. 

Thank you for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation