BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online.

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report.

Please make them abide by Federal law. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Good afternoon, I started an application with my bank on XX/XX/2023. The bank pulled my credit report as part of the process. I have been getting phone calls back to back all day today from lenders. Some of which I asked how they got my number and they stated, the credit report company gives them the information in order for them to call, and offer better, more competitive rates. 
I am filling the report ; however, I do not know if this is common practice. Although, I do not think it is fair for consumers/applicants to have their information and intent all over the place. Much less receive unsolicited phone calls based on an application process. 
Regards,

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 2021-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
debt was started with XXXX in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with portfolio recovery in XXXX, I stated debt was old and uncollectable however portfolio agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and portfolio is not listed but I still get harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MD
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 # XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX reporting late XX/XX/XXXX Equifax XXXX XXXX XXXX reporting late XX/XX/XXXX XXXX and XXXX In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-20
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX  in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX  until the doctor came to see me. After hours of waiting I finally got XXXX XXXX  enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We applied for and we approved for a personal loan on XX/XX/XXXX online. We were told a check would be mailed to us and would arrive between XXXX. By XX/XX/XXXX it still had not arrived, so we called to check on it. We were informed that there was a problem on there end and we would receive the funds via electronic transfer in 3-5 days. Today is XX/XX/XXXX and we still have not received any funds. We have made multiple phone calls, have been promised call backs, emails and resolution with nothing happening. This morning we have been " disconnected '' numerous times. 

Additionally, the payments are due to begin being made on XX/XX/XXXX - but we have not even received the 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 monetary relief
Consumer complaint received 2020-10-20
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello Sir/Ma'am, On XX/XX/20, I submitted a payment from XXXX XXXX  to Barclays Bank Delweare ( BarclayUS.com ) in the amount of {$1000.00}. To this date that I'm contacting you regarding my concern, Barclay Bank has not applied the money toward my account, and further declared they can not find it and thus will not refund my payment. In the course of nine months, I have submitted proof of payment from chase over ten times. Barclay Resolution department has spoken via three way confirmation with XXXX XXXX  confirming that the payment was in fact made, and that I have been given any physical proof of payment which is available. I have been given several case numbers by Barclay Bank Resolution center which I will provide below : XXXX SUPERVISOR XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/20 XXXX from the Barclay Resolution center stated to me that he determined the payment was applied to the wrong account by Barclay bank. He further stated the last two digits of my account number were entered incorrectly by Barclay and it would be adjusted. After a week went by after speaking with XXXX, I received a letter from Barclay Bank stating my case was closed again with no resolution. On XXXX I called Barclay resolution to see why my case was closed, I was told the payment was not received once again. When I reminded the resolution employee XXXX from her department had said it was applied to the wrong account, I was told they could not find it anyway and thus my money was simply gone with no responsibility on the part of Barclay. 

On XX/XX/20 I followed up once again on a three way call with a XXXX  Claims representative ( XXXX ) to the Barclay Resolution Center. We spoke on a three way conversation with XXXX from Barclay who stated he can see the proof of payment from XXXX, but could do nothing to resolve my issue. Once again XXXX was reminded from the claims specialist working for XXXX XXXX  on the three way call, that the payment was made and all proof has been submitted confirming payment. 

After 9 months, Barclay Bank informed me they will not refund or apply my payment and it has been lost at my cost. I have provided the written proof they requested, I have gone to the Branch to gather proof as they have requested as well as having them speak with XXXX XXXX  claim specialists who have determined and provided proof of the time and date the payment was sent and received by Barclay Bank. Despite this proof, Barclay still refuses to refund or apply payment to my account. 

Thank you for any of your time in helping me to address this issue. This has been a very draining time for me and my family with all that Barclay Bank has put us through. 

Respectfully 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 2019-10-28
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX FORD IN XXXX GA AND FORD MOTOR CREDIT THE SAME DAY, I IMMEDIATELY CALLED THE FORD DEALER IN XXXX GA ( XXXX  FORD ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX FORD REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT XXXX IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO FORD CREDIT SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM FORD CREDIT WAS PLACED ON MY PERSONAL CREDIT FILE BY FORD SAYING I BORROWED XXXX FROM THEM, I CONTACTED FORD CREDIT FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT FORD SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS FORD TOO. I CONTACTED XXXX  FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS FORD ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND FORD WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM FORD CREDIT SHOWING UP ONLY ON MY XXXX  FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE FTC AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT XXXX IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST XXXX  DATA AND FORD CREDIT. XXXX TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. FORD CREDIT WILL NOT SHOW ME ANY DOCUMENTS NOR XXXX DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST XXXX IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY XXXX CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH FORD CREDIT, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR FORD CREDIT IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. XXXX DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I don't have an employer and I've asked the XXXX, Experian credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by XXXX, Experian. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by Experian and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for 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
Consumer complaint received 2021-09-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, XXXX XXXX XXXX ran my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2019 I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to TransUnion. I have since disputed this erroneous information and sent a debt verification letter to TransUnion requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but with no indication as to how. After sending a method of verification letter to TransUnion, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ). 609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since TransUnion has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.

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 2018-04-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home XX/XX/2017. We had already paid for homeowners insurance for a full year in advance to closing. Also, my husband is a XXXX XXXX XXXX XXXX XXXX Veteran and so is Tax exempt in Florida. Our loan broker was XXXX XXXX with XXXX XXXX. We informed him up front that we did not want to use Freedom Mortgage. Within 30 days of closing we received a letter stating Freedom Mortgage would be our new mortgagor. We made our payments as described and agreed upon in our contract. However, Freedom Mortgage, cashed our checks and held the money not applying it to our loan. We called them, faxed them, emailed them and hand wrote them using the USPS with certified mail numerous times giving them copies of our contract, proof of tax exempt status, prepaid Homeowners insurance for a year in advance and even had the insurance company verify the insurance status. Freedom Mortgage continued to cash our checks and not apply them to our account and added late charges onto our loan. In fact they reported us as late payments every month on our credit report which has ruined our great credit, caused unbearable stress and embarrassment. We do not know what to do.

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 2020-11-29
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
This vehicle amount I was quoted was {$260.00} and a {$1200.00} trade in. I was told by the dealer that I could return this vehicle with no issue. Then I received voicemail attempting to intimidate me to agree to new terms and conditions. This went on for weeks. I asked repeatedly to end the deal and return my trade in the vehicle. I was threatened that the dealership has means to force the deal with a higher monthly amount and lower trade in value. I emailed the dealer and sent emails to the XXXX. The car went into collection.

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