BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my XXXX XXXX and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to XXXX, and this action will cost me thousands for YEARS.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: VA
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:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing 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 2018-05-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor. 

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).

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 2021-03-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XX/XX/XXXX give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: NY
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:
After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor.

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal matter.

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 2018-05-01
Company: Bread Financial Holdings, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I used a PayPal credit account to purchase XXXX XXXX at XXXX $ On XX/XX/XXXX and XX/XX/XXXX, unauthorized charges showed up on the account for the amount of XXXX. I did not make these purchases and am unfamiliar with the vendor. 
I discovered and reported this to PayPal on XX/XX/XXXX date. 
I filed a police report on XX/XX/XXXX. 
On XX/XX/XXXX, PayPal informed me via phone of the review of the charges and determined that they were authorized. 
On XX/XX/XXXX, I submitted a copy of my police report to PayPal. 
On XX/XX/XXXX, PayPal informed me that upon secondary review, they determined that the charges were authorized. They informed me that they would be sending me written notice as to why they were determined to be authorized charged, however they have not done so. 

In addition to the fraudulent charges on the account, the charges have been accruing interest for which PayPal now claims I am responsible.

PayPal is not calling me multiple times a day in order to request that I pay the unauthorized charges. I have attached a call log of the frequency of these phone calls, which totals to more than 70 calls since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
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 in this pendamic situation as they have hold all of my earnings and telling me that i can not get it back moreover they are not even telling what is the reason behind this they would not answer the emails and calls.I am really stuck. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Internal Check Systems, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call today from ( XXXX ) XXXX. She stated her name was XXXX XXXX and was calling with Check Systems/Consumer Report Agency about fraudulent activity on a XXXX XXXX account. She stated I needed to call her back immediately or have my lawyer call her. My father also received the same call and she threatened him with begin served if he did not make sure I called them back. They gave me one file number and him a different one. I know this is a scam and want it to stop immediately.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: CA
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 was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Ditech Financial 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: Information is missing that should be on the report

Complaint:
In preparation for closing the sale of my current home I contacted Ditech, my mortgage company, for payoff information approximately six weeks prior to the closing for payoff balance, etc. I asked if that month 's payment and the next, if the closing had not taken place by then, could be rolled into the payoff total that I was receiving.

That was done, however, now that Ditech mortgage has been paid in full and I am trying to be approved for a new mortgage I have learned that Ditech posted two months late payment to my credit score that came in the week I was to close on the new mortgage. This, of course, has caused the approval to be delayed which may cost me the purchase of my new home. 

I was ill advised by Ditech and have pleaded with Ditech to remove these late payments but so far have not been able to succeed. I have owned homes for over 40 years and have never had late payments before this posting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX- money was stolen from our small business account. We notified Bank of America within minutes and a police report was filed. There is an electronic transaction that Bank of America has all the information about, so there is a party that has {$9300.00} that was taken as a THEFT. Bank of America claims it has zero responsibility, and we are unsure of how to prevent this sort of theft in the future. We don't know how this happened and how to avoid it, and believe Bank of America should have some kind of responsibility for this theft. This is a lot of money for a small business especially with shutting down for the pandemic afterwards, and we are looking for the bank to reinstate the money that was stolen from their banking system.

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my checking account today and the bank placed a hold on it for no reason for 10 days and did not tell me until the end of the transaction when I received the deposit slip. I asked why it was being held and they gave me no reason. I have banked with this particular bank for over 20 years, and the company I received the check from I have been with over 3 years. I have deposited many of their checks with no hassle or hold. I do not have a history of bad checks or bounced checks so I asked them for the check back and they told me no. They said I would have to wait the 10 days it said on the deposit slip. They were rude and did not seem to care about my money being tied up for the next 10 days. I told them that money is covering my bills and what am I suppose to do and they said sorry. I called their corporate office and was told that the check should have been returned to me when I asked. They also told me I should have been told that they could not deposit the check and there would be a 10 day hold.

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 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
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:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

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 2018-05-02
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:
I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX  and reinserted under a different name to XXXX . XXXX XXXX ( formerly XXXX XXXX  ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.

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 2019-11-16
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached please find a debt that Radius Global Solutions, LLC claims that I owe. Radius Global Solutions, LLC does not possess a license to collect in the State of Tennessee, my home state. Place enforce that they remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

Company response to consumer: Closed with explanation