BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX I HAVE ADVICE THEM THAT THE INFORMATION LISTED ON MY BACKGROUND IS FRAUDULENT AND NEED TO BE REMOVED AND DELTED FROM RECORDS I PROVIDE MY IDENTIFICATION, SSN COURT HAVE MY INFORMATION BUT MY SSN IS NOT PROVIDED THEY WILL NOT REMOVE FROM RECORD ASKING DUE TO RIGHT OF PRIVACY BY LAW THIS NEED TO BE REMOVE AND DELETED 15 U.S.C 1681 section 604 report number # 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 2023-06-22
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 received a notification from the three credit bureaus that I had a collection account from XXXX XXXX. Account ending in XXXX. This is not my account. I have never been out of the state of Delaware. This company is located in another state across the country. The day they stated I opened the account I have bank statements that show I was not in that area. I submitted proof on multiple occasions to all three credit bureaus ( XXXX, XXXX, and Transunion ) that this was fraudulent. After submitting multiple letters for dispute all 3 times this account was considered validated by the creditor. It is very disappointing and sad to know that three alleged trustworthy bureaus did not apparently investigate or they would have known without a doubt that it was not my debt. I provided bank statements to the bureaus, as well as the cops to prove this was not an account I had opened. This proves the bureaus are not doing their job and are illegally validating consumers debts without investigating.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently reviewed my credit report and noticed inquiries I did not authorize and I have never done any business with theses companies nor gave them permission to pull my credit. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-06-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried several times over the past few weeks to make payments online. They have once again blocked my account from taking payments. I have emailed my account manager and ask them to unblock the account however, that has not been done. I also have tried for several days now to fill out the Mortgage assistance application on their website to ensure that my account does not go into foreclosure, however their website keeps looping around giving an error message to fix any errors then submit. There are no errors to fix on the application, I have re-entered the information over and over yet it still will not accept it! Select Portfolio is once again doing everything they can to try and foreclose on my property just as they have in my past two complaints about them. I do not understand how they expect anyone to make mortgage payments when they block their accounts from accepting payments. Then have such a horrible system that you can not fill out their online forms and submit them like it says you can. It is time for someone higher up than Select Portfolio Servicing to step in and make them fix these issues that are constantly recurring. As I have seen from the XXXX XXXX XXXX and online reviews, I am not the only one they continue to do this too. It is either neglect on the part of customer service or intentionally done to force foreclosure and add additional fees. I should not and will not pay fees due to their illegal business practices that they continue to do over and over. Nor do I have the time or energy to continue this cycle with them. I want them to fix the site and accept my payments online. I do not have additional funds to pay XXXX XXXX  fees, bank wire transfer fees etc, When I should be able to make a payment online on their site like every should. I want them to be respectful to not only myself but others and do what they are legally suppose to do. I have said previously I want them to sell my account to XXXX XXXX or a more reputable mortgage company because I am fed up with them. They need to do so because this is absolutely unacceptable business practices on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : 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 2023-06-01
Company: OneMain Finance Corporation
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:
I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a XXXX loan that attached my vehicle for XXXX  back in XXXX with One main financial group here in XXXX  I was quoted that I was approved for {$12000.00} but I only got XXXX because I'm an XXXX XXXX I got less because I didn't have a check stub. and I was stuck with over XXXX in interest fees that I'm still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 XXXXXXXX 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 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 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 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim number : XXXX I opened a claim with Bank Of America because {$400.00} was missing from my deposit in the ATM. They rejected the claim and stole my {$400.00}. This is not the first time that this happened but since this branch 's customers are mostly minorities and people who speak little English they refuse to do anything about it and continue to steal from them. 

This is inhumane and the way that Bank of America treats minorities is beyond belief. 

We have been hit the hardest by this pandemic and now they steal our money too. 

The wrong amount was shown and deposited in my account. {$400.00} is missing. I want my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company portfolio recovery has start a campaign of phone call on my cell and home number using a rolling number tactic meant never the same number calling my cell phone has over 20 numbers all listed to portfolio recovery I'm out of work and told them that and when I get job I will contact them they persist on calling 5 to 7 times a day please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 even 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 explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2020-06-10
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX/XXXX  's is not reporting correct balance to Experian, XXXX, XXXX  regarding a closed account that is being handled by XXXX  XXXX  XXXX. I have made several attempts to have the correct balance reflect for {$3000.00}, not {$4200.00} due to XXXX XXXX/XXXX  's. If XXXX  XXXX XXXX balance is {$1200.00}, then my report should reflect it, however if XXXX XXXX  is no longer the account holder this should reflect on Experian, XXXX, and XXXX  Credit Bureaus. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 2022-11-01
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had issues regaining access to my account after Barclays Bank took over managing the XXXX XXXX Credit Card. On several occasions, I requested a new card to be sent as I had not received the new card, and I was unable to access my online account without it. On the final occasion, I requested to pay my account off entirely and provided payment information. Unfortunately, the agent still left a small balance on the account, which I was unaware of until the account had been put into collections. I did not receive any type of notice regarding a past due balance, nor did receive notice of an attempt to collect a debt. 

Though they were polite and apologetic, I did not find the customer service team to be helpful in resolving the issue quickly, as I was informed that the only way of filing a dispute would be by mail or fax, which is clearly false.

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 2023-06-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To Whom it May Concern, Thank you for taking the time to review my complaint. The responsible party is Ally Auto. 

For over a month, I received 3+ phone calls a day ( starting at XXXX XXXX sharp ) regarding late payments due to a change in my employment situation. I repeatedly engaged with Ally reps on the phone and communicated my situation thoroughly, even making smaller good-faith payments to demonstrate my commitment. This did not stop the repeated phone calls to both myself and members of my family who are not at all involved with the loan. 

This caused a great deal of stress and hardship and Ally should be held accountable for this. I have a screenshot of an example day of harassment with the multiple phone calls I received. You will see that one morning, they called me 3 times before XXXX XXXX. In my opinion this was predatory behavior.

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 2022-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX of 2021 my credit file has not been updated with new creditor information. I have reached out to my credit card companies as well as my bank for my car loan. Each have said that they are reporting fresh information each month to the XXXX major credit bureaus. XXXX and XXXX have updated information except for Equifax. I have reached out to this company more than once to try and get this resolved, but nothing has happened. I have attached screenshots of my credit file with Equifax so you can see what I am seeing. It has been MONTHS since anything has changed to my credit file. Please help with this situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 2022-03-09
Company: Merchants and Medical Credit Corporation, 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:
I XXXX XXXX sent Merchants And Medical a cease and desist notice XX/XX/XXXX on a CFPB complaint with another cease and desist in writing. As of today XX/XX/XXXX Merchants and medical has violated the FDCPA by continuing to report several alleged debts on my consumer report which is in violation of 15 USC 1692C ( C ). My consumer reports are considered a medium of communication under the FDCPA. 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I demand all accounts listed on my consumer report by merchants and medical be removed immediately and cease further collection activity through ALL mediums.

Company response to consumer: Closed with explanation