BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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 U.S.C 1681.

Has Violated my rights.

1. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NV
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:
Without prejudice, it has come to my attention that Experian has been reporting my transactions with persons, to my Consumer credit report. According to FCRA 15 US Code statute 1681 A 2 A, states 2. ) Exclusions. Consumer credit report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. XXXX XXXX Original creditor : XXXX /Account number # XXXX XXXX. XXXX XXXX / Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Arizona XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Arizona XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My phone was stolen on XXXXXXXX  while I was away out of town working. I live in California and some mountain areas are remote, which was the case for where I was working. I discovered when I got back into town in XXXXXXXX  that my phone was stolen. I bank with current online banking, which is also XXXX XXXX XXXX. I noticed the person who stole my phone, drained my account buying XXXX  online with my virtual debit card and regular debit card which are saved in the phone. I disputed the charges on XXXX and on XXXXXXXX  i was told by current bank that my disputes where not founded and I wouldn't recieve my money back. Its all I had to pay my bills with. How can they conduct an investigation in 4 days? They didn't care about my money or situation they blew it off and have not sent me copys of any investigation or how they came up with this decision. Now today on XXXXXXXX   they send me email saying they will get the cops to me in 3-5 business days. Why does it take this long, because there was no investigation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WLCC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/18, I received my regular email stating that I have a installment payment coming up on XX/XX/18. I asked the Representative for a payout balance and was told that the amount was XXXX. I have been making my payments of XXXX since XX/XX/18, which is over {$1100.00}, that has already been paid on my loan borrowed amount of XXXX. This means that I have not paid but {$8.00} on my principle and the remains of the {$160.00} was applied to the interest. The installment plan is for 14 months at {$160.00} bi-weekly. I will have paid over {$3000.00} on {$700.00}. This should be consider illegal. This company is using illegal tactics and practices by making it hard for the consumers to payout there loans out. I would like to see this company brought under investigation for unethical practices. The customer service representative told me that there call center is located in XXXX XXXX and there office is in South Dakota. So I was speaking to someone outside of this country. The FTC has a law enforcement warning for companies contemplating similar tactics. Its always bad business to engage in deceptive and unfair practices. I have been receiving advertisements in the mail from this company. I needed help at the time and I thought this was a reputable company. This company should be penalized and stop for unauthorized hidden fees. Consumers should have rights against these scam companies. ( XXXX XXXX ). 

Thank you for allowing my voice to be heard. 
Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A delinquency notice ( attachment A ) was recieved on XX/XX/2019 indicating the payment due on XX/XX/2019 remained unpayed to J.G. Wentworth Home Lending. This loan was transfered to XXXX XXXX XXXX XXXX on XX/XX/2019 ( see attachment B ) with an effective date of XX/XX/2019 ( see attachment C ). A letter from J.G. Wentworth notifying us ( XXXX XXXX XXXX & XXXX XXXX XXXX ) of the transfer was never recieved, but during a call made to J.G. Wentworth 's Customer Support Center on XX/XX/2019 at approximately XXXX EST the customer service representative confirmed that XXXX XXXX XXXX XXXX appears as the loan servicer. 

In addition, there has been a failure to provide accurate information during the transfer of the loan. The outstanding principal ammount reported to XXXX XXXX XXXX XXXX was {$280000.00} ( attachment D ). This ammount is incorrect. Before transferring the loan the outstanding balance at J.G. Wentworth Home Lending was {$280000.00} ( attachment E ). The missing ammount is the additional principal payment of {$540.00} made on XX/XX/2019 which was not reported to XXXX XXXX XXXX XXXX and therefore not reflected in their outstanding principal balance.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.

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 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: DE
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 FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.

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 2018-10-16
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A payment was sent to Navient on XX/XX/XXXX. I used their online portal and emailed them 3 times to apply my payment in full to loan # 2. The only way I seem to be able to get them to respond and actually apply my payments correctly is to file a complain after getting frustrated with Navient not following my remittance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MN
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 am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both Experian and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: DE
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 FAIR CREDIT REPORTING ACT XXXX  account # ending XXXX from XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: MS
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, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling an item on XXXX market place. I had a inquiry about the item, I was messaged from a person named XXXX XXXX. Went through a whole conversation about confirming Zelle accounts. So I confirmed friends with XXXX and went through the process of sending money to confirm friends and accounts. This all ended up in me transferring her {$840.00} through Zelle using my XXXX XXXX  App. And come to find out it was a scam. I have all pictures and emails to prove after the fact of confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I applied for a store credit card last XXXX 2015. I never received the card or any billing statements pertaining to the application. I contacted the card issuer to inquire as to status and they informed me that they had my address incorrect. Thereafter, I provided them with an updated address. In response, I was told that they would resend the card and billing statements. Approximately, some time in XXXX I called the card issuer again because I still had not received the card. In response, I was then told that the address was not entered correctly in their system and that they would update the address and ensure that I received the card and billing statements. They informed me that at the time I had a balance on the card due to the store purchase. I, therefore, paid my balance for the store purchase. However, I informed them that I did not believe that it was fair that I should have to pay late fees and interest when they had failed to deliver me billing statements. In response, I was informed that all late fees and interest would be waived. XX/XX/XXXX, I recently learned that I have a balance for late fees and interest due to the prior balance on the card. I immediately called the representative and informed her of the history regarding the failed delivery of the card and the billing statements. In response, she was very rude and stated even though I had not received a card or a billing statement that I was responsible for going online to view my balance. I asked her how I was supposed to do that without an account number and a card to set up an online account. She then became belligerent and repeated that regardless I am responsible for the late fees.

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 2021-10-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not owing and can not pay {$1000.00} To advance financial that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being Advance financial waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to Advance financial before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: M&T BANK CORPORATION
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
M & T BANK received my cease and desist on XX/XX/2021. I, the consumer, demanded that all forms of communication ( calls, emails, letters, communication to third parties such as consumer reporting agencies ) cease through any and all mediums. M & T BANK has not ceased communication. M & T BANK has sent another attempt to collect a debt on XX/XX/2021. M & T BANK sent communication through the mails stating they will continue to send correspondence by mail. M & T BANK stated they will continue to furnish this alleged debt to third party consumer reporting agencies. This is a direct violation of 15 USC 1692c ( b ) and 15 USC 1692c ( C ). I the consumer refused to pay this alleged debt and demanded M & T BANK XXXX out the balance on this account ; return all payments that have been made on this alleged debt, which was a consumer credit transaction and it is a positive balance, back to me the consumer by check pursuant to 15 UC 1692h ; Delete this inaccurate account information being reported to all my consumer reports. M & T BANK had no permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ) nor did I give M & T BANK consent to have my nonpublic information which is identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I demanded an audit trail ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this account. These are my specified remedies pursuant to 15 USC 1692c ( C ) ( 2 ).

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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On my XXXX  report there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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