BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing this complaint for the mishandling of a dispute. I disputed a charge where I did not receive a completed service at a lash studio franchise. After the issue was brought to the managers attention the same day, I showed them my incomplete eyelashes and was given an apology and then advised to come back the next day for the service to be completed free of charge. After the funds were debited from my account the next day, I received a text message from the manager stating that I will now have to pay and because I was not satisfied with her changing the agreement she then told me not to come at all. I disputed this with USAA on XX/XX/XXXX where I received a reversal credit. I was then sent notification to upload documents on XX/XX/XXXX which I did and for some reason they were not received. On XX/XX/XXXX, I got another message asking to upload the documents. This time around I called to see why they had not received my prior documents and if there was a mistake, to which they stated they did not have them. So I proceeded to reupload the documents that included all the back and forth messages where the merchant fully acknowledged agreeing to complete the service and then changes her story as to why I now needed to pay. I also provided pictures of my lashes. As well as a screenshot from their company website detailing that services take approx XXXX XXXX for a full service and every natural lash receives a false lash. In the documents I provided the girl did not even take XXXX minutes. 

On XX/XX/XXXX, I got another notification from USAA stating the dispute was not found in my favor and they would do a reversal credit. My complaint is that this case was not thoroughly investigated as I gave more than sufficient evidence. I have also had a prior issue in the past with this bank not properly investigating disputes and was told by a very rude USAA representative over the phone that it was too much for them to go through every single message due to the volume of disputes they have to handle. My question to USAA ; then what is XXXX XXXX of providing this information if the agents are not going to properly and fairly do their job?? 

This situation is highly traumatizing because not only am I being taken advantage of by scandalous merchants, I also can not depend on my bank who I've entrusted and been with for years to properly handle these issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
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:
US BNPT CT FL XXXX ( BANKRUPTCY XXXX XXXXXXXXDISCHARGE ) XX/XX/2016 I PREVIOUSLY DISPUTED ( BANKRUPTCY XXXX DISCHARGE /REFERENCE XXXX XXXX AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please remove the account XXXX XXXX XXXX XXXX from my Experian, XXXX, and XXXX credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.

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 2023-07-31
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from NCA last week stating that they are feign to collect a debt that was sold to them from XXXX XXXX in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to XXXXXXXX XXXX and NCA. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is attempting to do, the same thing XXXX has done! Trying to drag an ongoing situation, and issues of the past ; which should had been resolved, and settled last year! Why are yourselves, and others in charge keeps : allowing this Credit Reporting Agency, to insist on committing the, same type of offenses over, and over again, against this same consumer??? It's very obvious nothing hasn't been done ; to change Equifax mindset, fabrication, fake investigations, disregard for the rule of law, dysfunction, and ways of conducting business, with this particular consumer! No, I'm not prepared, and nor able to accept : this as normal, and legal in this country ( USA )!!! CFPB please stop playing on my emotions, and on acct of my health crisis expense! Something has got to give, and be done ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: OH
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Better Mortgage for a refinancing of the mortgage loan on the rental property that has been held in my late husband 's trust for over 12 years. They gave me pre-approval and a loan estimate. Then, they started demanding over and over again that the loan had to be closed in my trust, not my late husband 's trust. This would make my trust responsible for the loan not my late husband 's trust and violate the terms of the trust. Two estate attorneys and XXXX XXXX XXXX official have informed me the very accepted legal practice for recording this type of loan is to record the loan in the deceased person 's trust with the trustee listed on the loan which is me. But Better feels it does not have to comply with normal legal practice. This is just back door age and sex discrimination because there is no evidence properties held in the trusts of deceased persons long term have any more default risks than other properties. As the trustee, I have excellent credit, XXXX XXXX in liquid assets and adequate income to quality for the loan. PER XXXX, THE PROPERTY IS WORTH MORE THAN FIVE TIMES WHAT THE LOAN AMOUNT WOULD BE!!!! It is also in XXXX, XXXX which has sharply rising rents and property values, a great school system, the highest per capita household income in XXXX XXXX and is home to a very large XXXX XXXX and XXXX facility. Even if we had another XXXX XXXX the property would be worth more than twice the loan. The real reason they want the loan recorded in my trust is so when I die Better can invade the principal of both my trust and my late husband 's trust. Indeed banks and other lenders stealing from the trusts of the deceased is becoming more and more common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 , XXXX XXXX XX/XX/2022

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: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Upgrade on XX/XX/2022. They accepted my instrument but did not credit my account correctly I did call and spoke with XXXX they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX {$870.00} Reporting to XXXX  and XXXX I contact XXXX and was able to remove from my credit report but XXXX and XXXX are giving me a hard time. 

Spoke to XXXX XXXX and disputing item since XX/XX/ 2020. 


My Name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: PA
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  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-11
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

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 explanation
Consumer complaint received 2022-04-19
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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2018-05-15
Company: ALLY FINANCIAL INC.
State: OH
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:
Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.

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 2023-07-29
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:
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 personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There are 2 strange unauthorized transactions on my PayPal account to a foreign account. both are for {$500.00} both are from this morning. I contacted my credit union who says the money has not gone through yet, but that payPal would have to cancel it. PayPal says it will be paid on the XXXX. So when I asked them to please cancel those charges as they are fraudulent, they said they could not they had already gone through. ( Even though it still says right now on the website that it will pay on the XXXX. ) All I know is those are fraudulent. I already filed a complaint with the FTC XXXX I was sent a fraudulent cashier 's check. I'm sure it's all related ( I've been on a lot of job boards and I suspect this all stems from one of those interactions. ) How can I insure that the charges will not be paid and will be cancelled? My bank says they can't do anything because there isn't even a hold on the account yet. but that doesn't mean they won't try to withdraw the funds next week. 

Please let me know how we can fix this mess.

Company response to consumer: Closed with explanation