BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IL
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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. 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 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 2021-01-29
Company: TRUIST FINANCIAL CORPORATION
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2019-06-09
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX I was XXXX at the XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX. The home of XXXX XXXX and his elderly mother. The XXXX refused to let me take my purse or wallet with me when I was taken out of the residence and to XXXX. I spoke with XXXX XXXX from XXXX, I had him check my direct deposit balance arround the first of XXXX. He told me I had no pending deposits and that I had been cut off my benefits because I was in XXXX. I told him to leave my card in my wallet, in my purse and leave them with my landlord were theyd be safe. He gave my landlord my purse but my landlord didnt check for the card. Mr. XXXX assured me my direct deposit card was in my wallet, in my purse at my landlords. XXXX XXXX did not tell me that I was in fact getting direct deposits and he was receiving, collecting and spending them. I was XXXX XX/XX/XXXX. Within 2 days I located my card and called it. He spent over XXXX $ and caused me an over payment. He had my social security card, drivers liscence and many other personal identifying documents for several months. He also had my laptop giving him access to more identifying personal information. Im now receiving emails about credit and loan requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed with Experian on inaccurate credit reporting on a chapter XXXX bankruptcy and a collection account with XXXXXX/XX/XXXX involving a XXXX insurance bill thats not mine since I had travelers insurance. Experian finally took off XXXX XX/XX/XXXX in XXXX XXXX then placed again in XX/XX/2020 without even sending me a written explanation as required by law within 5 days.XX/XX/XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXXhard inquiries are showing on my credit report and were not authorized. 
I sent multiple certified letters disputing and also froze my XXXX XXXX account. Experian says they used nexus lexis for verification, a third party, impossible since I froze account 1 year ago. I asked for proof, they didnt send me. I spoke to XXXX XXXX, ca bankruptcy court and they said they do not give out information to third parties. 
I filed a small claims court case on XX/XX/2020 against Experian and was told to call them and initiate arbitration. I have called several times to no avail. They say they dont have a legal department phone number and tell me to just mail 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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 dispute the accuracy of an account with Transunion multiple times. The date below are dates that I have submitted a dispute with Transunion for the 30-60 day late payment on my account with XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I get a notification that my dispute is complete and has changes, yet it does not have changes. My XXXX account was marked late XX/XX/XXXX, 30-60 days late. Which it was not, a payment was made on the XXXX day. I have contacted XXXX numerous times regarding it around XX/XX/XXXX, and was told they would remove it, which they did not so I resulted in disputing it with Transunion. 

This is not the first time this has happened with Transunion. It appears as if they do not even collect or contact the creditor for information regarding what is being disputed.

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 2023-01-09
Company: EQUIFAX, 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 status incorrect

Complaint:
Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is a fraud. First, someone lied and placed my account in forbearance. Now, they have reported to the credit agency my account is in forbearance and has cause my credit score to drop 44 points. I have made payments on this account so I dont understand why this company keeps placing and reporting to the credit agency my loan is in forbearance.. This is my second complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've found the only way to get a mortgage company 's attention is to file a complaint. The reps simply do not care, and do not have the means by which to implement any type of change to the system in which they are a part. 

I just refinanced with " Amerisave '' and attempted to make my first payment for XX/XX/XXXX. 
There is no record of my payment on their site ( the means by which I made the payment. ) I have no way of knowing if payment went through. Nothing on their site reads " processing '' or that their will be a delay. 
They do not list their hours of operation on their site, which causes me to waste my valuable time with their horrible robot message system ... .forcing me to listen to 5-10 min of irrelevant info, and press no less than 5-8 different phone prompts to reach a person. After wasting 10 min doing this, I'm transferred after each press to find out the office is closed. Simply listing office hours on their site would be a help. The phone system only states XXXX, not the days of the week. 
I also tried, via two different website menus, to make an additional payment principle to my loan. Both attempts failed. I was told I could make payments of additional principle before I agreed to refinance with Amerisave. 

Why is there no record of my payment? 
Why is there no listing of office hours? 
Why can't I make an additional principle payment on website? 
Why isn't my loan number on the website? ( It's required to submit this complaint, and to use most features on site, yet it's not made available. 

I travel for work and am not at home for extended periods of time. I do not get paper statements. Can't find loan number anywhere. Yet again, I hit a brick wall trying to get any info. 

PS. I also wrote an inquiry regarding how my loan was calculated, specifically regarding how points are calculated. The point fees are added to loan figures, then calculated by taking a percentage WITH ADDED FEES ... .which is NOT how percentages are calculated. You can not add a fee then calculate fee from amount with the fee already added. Doesn't make any sense. I never received an adequate response to my inquiry. 
This is a class action lawsuit waiting to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.

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 2021-01-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021, I requested TD Bank to close my checking account ( account # XXXX XXXX and move my remaining funds to my savings account via tdbank.com account secure message, but they never did it, and charged me {$25.00} account maintenance fee later on the same day. 

TD bank even limited my eligible transfer amount so I can not transfer the remaining amount to elsewhere, my balance thus stay low and TD Bank would keep charging me fees. And during covid-19, I can not go to a branch to withdraw the remaining funds. 

This is unfair and unethical, I need TD bank to refund my {$25.00} fee immediately and close my account as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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 Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681XXXX ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating 18 usc 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  They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I. Was. Ripped. Off. By. Mortgage. Company. For. XXXX. Dollars. And. Deceived. Into. A. Predatory. Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2017 a Request for FULL DISCLOSURE was sent to CEO, XXXX XXXX XXXX of Santander Consumer USA , Inc. served with this Notice and Demand to Admit or Deny the statements in the enclosed " REQUEST FOR ADMISSIONS '' document and return it within twenty ( 20 ) days with a verified signature of an authorized agent of the Lender. This Notice and Demand is the Consumers good faith attempt to settle this matter and clear up any confusion about the terms and execution of the alleged Loan agreement and the disposition of the outstanding deposit with Santander Consumer USA , Inc. of the value of the Consumers promissory note associated with this alleged Loan. Santander Consumer USA , Inc. failure to validate the purported debt by returning the enclosed " REQUEST FOR ADMISSIONS '' document with a authorized and verified signature to the Consumer within twenty ( 20 ) days of receipt of said Notice and Demand will be deemed a dishonor of the Notice and Demand, and will be presumed by Santander Consumer USA , Inc. acquiescence, that Santander Consumer USA , Inc. took the Consumers promissory note and, without authorization, stamped it, sold it, and then used the proceeds of that sale as the funds for the alleged Loan, causing the Consumer to be damaged in a transaction making themselves incompetent witnesses and by taking legal action did dispossess consumer goods and did misuse personal, family or household goods for purposes not intended - without ever obtaining competent judicial permission or prior direct consent- and, without just compensation. ( 1692c ( a ), 1692 ( b ), 1692c ( C ) ( 1 ) ( 2 ) ( 3 ),  FDCPA ). The Consumer is prepared to exhaust all applicable provisions of the FDCPA and the FCRA to obtain " FULL DISCLOSURE '' of the facts material to the terms and execution of this alleged Loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CL Holdings LLC
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:
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent my mom {$100.00} for XXXX XXXX. On XXXX XXXX she went into XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX to pick up her money and while in the process was told something had happened to their machine so she did not receive her payment from there. She then went to another location and was told the system was showing it was picked up. I have been in constant contact with Western Union since XX/XX/XXXX, I was told it could take up to 21 days to do an investigation. As of XX/XX/XXXX, which is the 22nd day, Im being told now it could take 21-60 days, I have received no information whatsoever other than its still being investigated and Im done waiting. I feel as if the people whom Im speaking with over the phone are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Radius Global Solutions LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called XXXX who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.

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 2020-07-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding 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. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on 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 explanation
Consumer complaint received 2020-07-31
Company: Fairway Independent Mortgage Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
FAIRWAY INDE XX/XX/XXXX and FAIRWAY INDE XX/XX/XXXX. 
Credit Inquiry is unverified but still persist on my XXXX  credit report

Company response to consumer: Closed with explanation