BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2023, a representative told me that they will not process my disputed accounts and asked why I am disputing accounts on my credit file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account. I demand to see Verifiable Proof ) an original Consumer Contract with my Signature on it ) you have on file of the disputed accounts. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, by law, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1861j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FCRA guidelines. Please include the method use to " verify the debt you claim I owe. I have requested the person 's name, phone number, address, name of company that performed the investigation and the individual 's title. 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 2021-04-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Ally Financial has not provided original consumer transaction paperwork! I did not know that a contract could be assigned to a third party. From dealership to third party without consideration to me the original creditor.

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 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am copying and pasting one of many communications I have had with SLS on the matter related to lender place flood insurance, To date and many months later, SLS is unable to resolve or comprehend the issue. I am in the process of refinancing my mortgage and had to pay the amount to SLS to be able to move forward on the refinancing. 

URGENT REQUEST DUE TO PENDING CLOSING OF REFINANCING TRANSACTION I am writing to request assistance in the resolution of a past due fee amount of {$5200.00} that was in error and as I learned on a phone call with SLS Customer Support relates to lender-placed flood insurance. However, as the attached statement from the lender on the primary mortgage ( XXXX XXXX  ) indicate, as the borrower I already had lender-placed flood insurance through XXXX XXXX. 

When the matter was raised nearly five years ago by XXXX XXXX  that I would be required to have flood insurance due to changes in flood plain near my primary residence, I elected to purchase the lender place insurance through XXXX Mortgage as it was the same cost when I sought a quote for private insurance. 

I communicated to SLS that there was not a need for lender placed flood insurance through SLS as the required lender placed flood insurance was already in place through XXXX Mortgage. 

I would greatly appreciate to the greatest extent possible that a timely response and letter be made available that I can provide to XXXX, as the new lender, that indicates that I do not owe this amount to SLS as an unpaid fee as the lender placed flood insurance was made in error by SLS ( or its predecessors ). 

I am attaching, as requested by the SLS Customer Support Agent ( XXXX ), the Escrow Statements from XXXX Mortgage that demonstrate that the lender placed flood insurance was in fact in place and therefore, there was not a need for SLS to put its own lender placed flood insurance policy in place. 

MAY I PLEASE REQUEST AN ACKNOWLEDGEMENT EMAIL RESPONSE TO THIS EMAIL SO THAT I CAN LET XXXX KNOW THE STATUS. I am unfortunately running out of time under the existing commitment letter and rate lock commitment.

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 2020-04-08
Company: Experian Information Solutions Inc.
State: HI
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 sent Experian a letter about this fraudulent account 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I hope all is well.. 

I look at all 3 credit bureaus especially Experian it doesnt show my XXXX credit card on time payments and also the amount of the credit card. Can you please update all credit bureaus to show paid on time and credit limit amount of all 3 credit bureaus for XXXX credit card Experian, XXXX and XXXX? Thank you very much for your time. Have a wonderful day and please be safe.

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 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Im writing this in accordance with the Fair credit reporting act, in regard to a negative statement on my credit report made by Bnk of America. This creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. In 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a Credit card account under an open consumer credit plan as late for any purpose.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2019-06-19
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with XXXX XXXX XXXX on XXXX XXXX,2019. I was very displeased in how she was speaking to me due to the fact I was calling to get assistance on a settlement. I felt insulted and Ive never felt so low before. She didnt have the decency to place me on hole while getting her manager, I informed her how unprofessional it was and she continued to try to argue with me instead of trying to assist. I was offered the settlement amount of {$2200.00} and didnt have the option to make payments. I recently called the law firm again to see the settlement and I was offered {$3200.00} with the option to separate it into 3 payments over 3consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: GA
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:
I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.

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 2023-03-16
Company: EQUIFAX, INC.
State: AR
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:
Closed accounts still on my report. 
Accounts in collection and on my report that have not gained my permission to obtain my report or add anything to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was advised by my XXXX  doctor that if I want to, I can get a XXXX XXXX XXXX at my local hospital but that my insurance would not cover it and it is a {$60.00} out of pocket fee. I decided to be better safe than sorry and I set up an appointment at XXXX XXXX Hospital and asked again at that time how much this will be. again i was told that it is a {$60.00} out of pocket cost and that insurance does not cover the test. I went in and had the test done at which time I paid the bill of {$60.00} expecting my results to be forwarded to my XXXX  doctor. After not receiving any results from the hospital or from my doctor I assumed that the results were good and no news is good news. Several months later I received a bill from a place in NJ ( XXXX XXXX  XXXX  XXXX XXXX XXXX ) for the amount of {$220.00}. I then contacted a representative from that company and told them that I paid for the test at the time of the appointment and she said that it must be an error on their end and that she would take care of it. Well long story short, they sent it to collections and now my credit score has been affected by this not to mention my ability to refinance mt home at a lower rate. I never asked for a third party to review my records of to get involved in this matter at all. the reason i took thetest was because I could only afford the {$60.00}. I never received any type of paperwork or test results from XXXX XXXX XXXX XXXX. 

Thank you for your help 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After receiving the XXXX card I tried to set up an online account. I was unable to do so. I also had not received a bill in the mail. I tried calling customer service on my lunch break a few times but the wait time was too long. On XX/XX/XXXX, when I finally had a day off I tried calling again. Unfortunately my first payment was past due by this time. I explained to XXXX XXXX in customer service ) that I was not able to set up an online account. After helping me He realized the system had my social security number wrong. He informed me that my account would be locked and I could make a payment in 3 days. He also removed the late fee of {$25.00} because it was their error. On XX/XX/XXXX I made a payment of {$30.00} because that was the minimum amount. I thought the account was fine. I still had not received a bill and being confused from the account being locked, I didn't realize the system expected another payment on the 3rd for {$55.00}. I got an email about the late payment. I tried speaking with customer service twice, but to retaliate against me they refused to help with the late fee. I paid {$35.00} on XX/XX/22 and on XXXX {$40.00}. A manager named XXXX rudely told me that I Didn't seem to have a problem using the card for purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
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: Investigation took more than 30 days

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not liable for this debt XXXX XXXX. I do not have a contract with that company. I have contacted XXXX andTransUnion regarding this collection fraudulently filed on my credit report, but they still refuse to 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 non-monetary relief