BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: NV
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 review previous closed complaint regarding Experian. I never received any pin number in the Mail. Experian failed to protect me from being a victim of fraud. In fact Experian aided and abetted the person who has used my information to obtain credit using my information. Experian supposedly sent me a pin to my home address. Where is it??????????? Also they said I did not enclose my social when their website told me not to include my social when writing to them.

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 2023-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXXXXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Chime Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent USD XXXX to XXXX on XXXX XXXX at XXXXXXXX XXXX using Sendwave to XXXX XXXX XXXX  and it was never received by the recipient. 
I called Sendwave and informed them of the situation and they told me to get the bank statement from the recipient to prove my claim. I sent them the statement and even involved the recipient bank in all the correspondences between me and sendwave. XXXX XXXX also confirmed the money was not received. 

Sendwave has been unresponsive despite all evidence showing that the money sent was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is nothing in collections on any of my credit reports. I keep getting calls from the National Recovery Agency claiming that I need to call them about about debt collections. I am concerned this is a scam and am worried about contacting them directly. They are calling from 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 2021-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
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:
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1682 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: OH
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. 

Ohio Department XXXX XXXX XXXX : # XXXX, Ohio Department XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, Receivable Management Services : # XXXX, XXXX  : XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

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 2020-08-11
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: OH
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. 


Account Name XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JC Penney calls my cell phone multiple times per week trying to reach someone else. I have told them repeatedly that they have the wrong number, but they keep calling.

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 2023-10-05
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 checked my card statement online and noticed a fraudulent transaction was made on XX/XX/2021 in the amount of {$1600.00} at a store in XXXX, Massachusetts. I live in XXXX, Pennsylvania. Only 1 card has ever been issued to me and my profile setup has always given me an emailed receipt of all purchases. I called and reported this unauthorized charge on XX/XX/2021 and assumed that an investigation was initiated. They sent me a new card with a new account number and transferred the {$1600.00} to my account ; this making my limit over by {$500.00}. XX/XX/2021, I called back to follow up because the charge was still there but was told that I reported the card as lost and no inquiry was done. This in no way s true because I live in Pennsylvania not Massachusetts and also I called about an unauthorized purchase not a lost card. I am a senior citizen on a fixed income and this is not at all acceptable. As a consumer, I expected this to be resolved when I initially called in to make this organization aware of this issue,

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 2023-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that Mr. Cooper ( and its parent Nationstar Mortgage LLC ) are participating in what seems like predatory behavior with the mortgage they hold for me because no other explanation makes sense. 

( All figures in USD ). 
XX/XX/XXXX : my escrow balance was approximately XXXX. 
XX/XX/XXXX : Mr Cooper conducted a yearly escrow assessment where they anticipated my home insurance to be XXXX and property taxes to be XXXX for XXXX, totaling approximately XXXX. This was relayed to me by a customer service rep. 
XX/XX/XXXX : After this assessment, Mr. Cooper concluded that there was a SURPLUS in my escrow account and issued me a check in the amount of XXXX. 
In the correspondence included with the check, they also made a note that they anticipated my escrow payment to decrease starting XX/XX/XXXX. I will attach. 

Up to this point, my monthly mortgage payment was XXXX ( comprised of XXXX principal & XXXX escrow ). 

In the same correspondence of the surplus check, I received a notification for the XX/XX/XXXX mortgage payment. Mr. Cooper raised my monthly mortgage payment to XXXX ( monthly ins and taxes now XXXX instead of XXXX ). After speaking with customer service ( who didn't succeed at reassuring me this sequence of events made sense ), I was told that my home insurance was higher than expected so they had to increase my mortgage to cover this. They knew this WHEN they were issuing the surplus check to me ( see attachment ). Additionally, I was told by customer service that I couldnt just add money back to my escrow to cover any insurance hikes. So they allegedly assessed before they could properly estimate then did not give me an alternative option to make up any differences that may arise. 

I also submitted written inquiries to their website for which I received a stock message of they'll get back to me within a certain time frame in written form. The only letters I received was an acknowledgement of me submitting a request and an anticipated response time but no actual resolution. They also made sure to state that they were only a servicer and Nationstar owned my mortgage as if they were not all a part of the same company. 

To recap, I had an escrow surplus and they issued me a check only to raise my monthly mortgage payment anyway because I wouldnt have enough in escrow to cover insurance and taxes for XXXX. If they were acting in goodwill, why is the escrow assessment performed BEFORE theyve paid out/received the totals required for the calendar year? It smacks of plausible deniability while engaging in predatory behavior in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


Account name : UNKNOWN ACCOUNT Account XXXX Account name : UNKNOWN ACCOUNT 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: WLCC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I don't have a loan with this company, they do not have authorization from me for an ACH debit. They have my information somehow and debited my account XX/XX/23, I called and was told due to technical error over the weekend my checking account was debited. I was told the money would be refunded in 3 to 5days, I also discussed possible overdraft fees due to their unauthorized debit and was told they would be in contact with my bank and cover all costs. There was follow up phone calls and emails. As of XX/XX/23 my account has nt been credited the original ACH debit of {$340.00} nor the overdraft fees of {$100.00} also due to their unauthorized and illegal debit of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: IL
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was informed that " hard inquiries '' on my 3 credit reports from XXXX, Equifax and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Exeter Finance Corp.
State: FL
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:
I was unable to pay the total monthly payments from XX/XX/2020 - XX/XX/2020 the agent assured me that if I made a partial payment that the car would not be repossessed which was made at the time or a few days after, however, the vehicle was removed from my parking spot, and was towed to an impound lot where I was informed that in order to get the car back I would have to make a payment of XXXX + which I could not provide at the time. and thus I was forced to surrender the vehicle.

Company response to consumer: Closed with explanation