BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is NOT generating FICO score numbers for the three credit Bureaus and keep telling me that my credit card company XXXXXXXX XXXX hasn't submitted proper monthly information which I can see they have. I also have a company that I have a loan with XXXX XXXX  and they also are reporting regularly monthly. After 4 months of trying to get this resolved I'm still having trouble. I need this matter corrected as I'm trying to find a home and EXPERIAN is the agency that creditors pull credit reports through or from. I'm not getting the proper credit for being in good standing as to help my scores that they're not generating because of their internal issues with my report.

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 2021-01-28
Company: Paramount GR Holdings, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loanpal has been dragging out my refinance loan for almost six months, promising me each month that they were close to closing it. Also, advising me that technically, a mortgage isn't late until after 30 days, therefore ; I could potentially wait until the very last day to pay it, just in case I would get lucky and they would close my refinance. I filed a XXXX  report because oftentimes I couldn't even get a hold of anyone to know what was going on. There was an extreme lack of urgency and communication, constant rewriting of loan terms, rate lock extensions and perhaps worst of all ; I was told verbatim that my loan officer had " gone up to bat '' for me and got me an interest rate of 2.375. What the coordinator failed tobdisclose to me was the impact that over 2 % in origination points would have on a refinance loan. After asking around with a loan officer friend and HUD I was informed that I was paying for the rate with over {$7000.00} dollars that would take me 9.5 years to pay off. Therefore, I was not being supported and protected, quiet the contrary. Furthermore, on a {$280000.00} loan with a CHFA silent second of a little over XXXX, I was being charged a total of {$18000.00} in closing costs bringing our refinance cost to a grand total of {$310000.00}. Along with a 2.375 interest rate that would bring our mortgage payment from {$1800.00} with a 5.25 % interest rate to a whopping {$1700.00} payment with a 2.375? Loanpal did reach out to me following the XXXX  report offering me a {$500.00} check to remove the complaint. Unfortunately, laymen like me wouldn't understand loan jargon, so the law regarding disclosures still isn't exactly helpful. Origination points are essentially money in their pockets. I am anticipating a situation where I may be charged fees for backing out. I would also like to say that, XXXX  XXXX, the third party verification company for Loanpal ran hard inquiries on my credit four times. Three of which I did not agree to. Furthermore, they repeatedly reached out to XXXX  to inquire about my mortgage payment amount and silent second amount when it should have only been necessary once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Account information incorrect

Complaint:
I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to XXXX XXXX, and I was advised as procaution check my bank account for the next month and if XXXX XXXX  has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that XXXX XXXX  has reported me as deliquent over 30 days, I called XXXX XXXX  and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force XXXX to remove this reporting from the credit reporting agencies. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NV
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 called XXXXEquifax after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying a credit monitoring of my report to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are such an error on my file that needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX  ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I sent Ally Financial a notice of unauthorized inquiry that has caused damage to my credit file. By law Ally Financial had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give Ally Financial any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful 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 explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  XXXX XXXX, is claiming they are the new servicer and that XXXX  XXXX XXXX is the new owner, with at XXXX XXXX XXXX  as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX REMIC and do not believe it can be removed from a tax exempt REMIC trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from XXXX who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against God 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, XX/XX/1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka Satan 's minions.

as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX/XXXX  XXXX  XXXX  ) and their Oath to the XXXX XXXX of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''

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 2023-08-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Here are the details on my case. I have not loaded XXXX with Paypal in years which I've confirmed on my transactions with them on the website. 

The denied me with the following reason : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

Case ID : XXXX Seller info : XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Additional Info Your note : I have not used the XXXX XXXX  recently. I did not authorize this transaction. Someone hacked my XXXX account, loaded {$25.00} on to it and then spent it. I have called XXXX twice now and the call has been dropped twice. I've spent a couple hours trying to get my {$25.00} back with no success. 

The XXXX XXXX lacks basic security as you can not log out of all locations, even if you change the password, that does not mean your account is logged out. When I noticed this, I removed all payment methods from my XXXX account. 

I did not make this transaction at all. As far as I can tell, I have not used Paypal to load my XXXX XXXX  in years. Using my XXXX XXXX card gets me XXXX points, so there is no reason to use Paypal for a load. 

Item details Item name : XXXX Card Reload Item description : Reload Quantity : 1 Transactions not refunded XXXX  XXXX XXXX XXXX XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$25.00} USD Additional notes : I have not ever had a dispute with Paypal. I do not abuse the system. It is very unfair that they automatically closed this ticket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
1 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name was added as a joint account holder on a Macy 's department store credit card without my knowledge or consent. The customer service department would not allow me to remove my name or add personal information such as phone number and address because I am not the primary account holder. I was told to speak with the fraud department. I contacted the fraud department and they initiated a report and told me an investigation would take 2-3 billing cycles. The account is delinquent and has impacted my credit score negatively. I have no account access and have never had a credit card sent to me and I have never made any purchases with this account. I was told today that the balance is {$2600.00}, the amount due is {$340.00} with a due date of XX/XX/ which includes a past due amount of {$200.00} and that the last payment posted 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 2023-03-13
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IL
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 Far 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 XXXXXXXX XXXX XXXX Bank, 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 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT NOT A 3RD PARTY AGENCY OR A CREDIT REPORT AGANECY SO PLEASE STOP WITH THE STAL TACTIC RESPONSE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made payment on credit card. I have proof of check being reconciled by CitiBank. I have called several times and they are stating payment was not received and the check is not showing on their end. Date reconciled XX/XX/2023 amount of {$970.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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 ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have hard inquiries on my credit report that are unauthorized and were done without my consent

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.

Company response to consumer: Closed with non-monetary relief