BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) COLLECTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: MoneyLion Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an unsolicited debit card from MoneyLion, XXXX. I contacted the bank who refused to do anything about it until I provided them with all my personal information ( copy of my driver 's license, copy of my social security card, etc ). They also requested that I file a police report and they wanted me to provide a copy of the report once filed. The debit card would not be canceled until they received all the information requested. Additionally they would not provide any details of when the " bank '' account was opened nor would they provide the " bank '' account number unless I provided all the requested information to them first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested for Ally Auto to adjust my monthly payments due to hardship ( change in work and economics ). I spoke with someone in XX/XX/2020 and they advised me after 14 successful full payments I can request a loan modification. So I did in XXXX and also due to COVID-19 they offered an adjustment for payments or a kind of Forbearance for 90 days so I requested both and after calling in XXXX, XXXX and XXXX to find the status they sent me letters with approvals for both which I have attached. 

Now in XXXX I have checked the amount due and it does not reflect the amount that my wife, I, and the Rep from Ally Docusigned about the modification of the loan amount due monthly. They didn't make any adjustments and are reporting to the credit bureaus that I am 90 days late, not honoring the COVID-19 Forbearance arrangement.

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-04
Company: EQUIFAX, INC.
State: MA
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:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX  dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
Someone got a {$5000.00} loan under my name with company/bank called RISE (  which is somehow related to XXXX  ). 

This is hurting my credit really bad. My score is down close to 200 points ( so far ),  other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). 

I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. 

I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. 

Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian : XX/XX/2020 I tried to log in and it said incorrect password. I tried to reset pswd and it said no user. I asked for user and it said it was sending it and it didn't. Next day it allowed me to log in with the same info I used the day before but then would say oops call when I tried to work with my credit freeze. I called. Response was you will be helped in 15 min. 37 min later I hung up. when i go to sign in half the time its says incorrect and the other half it works but it never allows me to do anything once it signs me in. Meanwhile I need to turn off a credit freeze for my job to give me a security clearance. This company needs to have its doors shut as it has too much power over our lives with its horrible processes!

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 2019-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Portofolio Recovery Associates, LLC stating that owe XXXX XXXX XXXX   {$1000.00}. This account was closed and paid full. I recommend that you STOP all the attempts to collect that debt. I dont have any business or contract with Portofolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by BSI Financial Services. 

I purchased my home in XX/XX/XXXX. The home was very outdated. I had since then added significant value to the home through numerous renovation projects. The home was refinanced to have a lower interest rate in XXXX ( approx. ) XXXX without an appraisal due to high demand in the area. Later the loan was purchased by BSI Financial Services from the original company. 

I contacted BSI Financial Services in XX/XX/XXXX expressing interests in removing the PMI ( Private Mortgage Insurance ) on the mortgage. BSI Financial Services customer support instructed me to get an appraisal and they can then process the request. I found it strange that I had to do this myself since as a general rule, the appraisal should be initiated by the mortgage servicing company. So I called later in XXXX again to double check this process. I again was told that all I need is an appraisal letter. 

So I worked with a local appraisal company to get the property appraised. The LTV ( loan to value ) ratio is indeed less than 78 %, which means the mortgage should be eligible to have PMI removed. 

I contacted BSI Financial Services again early XX/XX/XXXX. I was told to submit a written request with my signature that indicates I would like to remove the PMI on the loan. I did this shortly after the call. 

I had received the 'decision ' letter from BSI Financial Services rejecting the request to remove PMI on the loan. Reason being 'The origination date of your loan is less than two years '. 

As I did my research and read through articles on CFPB, according to the Homeowners Protection Act, the requirement of removing PMI is as bellow : 1. Your request must be in writing. 
2. You must have a good payment history and be current on your payments.

3. Your lender may require you to certify that there are no junior liens ( such as a second mortgage ) on your home.

4. Your lender can also require you to provide evidence ( for example, an appraisal ) that the value of your property hasnt declined below the original value of the home. If the value of your home has decreased below the original value, you may not be able to cancel PMI at this time. 

I can confirm that I have fulfilled all the above requirement. And the 'seasoning ' requirement should not prevent me from removing my PMI based on this article : https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ Please let me know if there's anything else I can do to successfully remove the PMI on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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 have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a first premier card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
On XX/XX/XXXX I submitted a letter to American express asking that all derogatory / late payments and all negative trademarks be removed on my credit report, it was a good will gesture I have not heard back and it makes over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: TX
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
A judgement has been filed against me regarding a title loan I had in 2016. I have consistently made the {$100.00} a month agreed upon payments since the judgement. I was told at the beginning of this that if I was to have a lump sum they would settle for me. 

Since COVID I have attempted to contact Cash Time Title Loans and request a settlement offer to get this debt closed out. They responded to me stating that they are unable to offer any settlement at this time. I also have had a volunteer Lawyer attempt to contact the company asking for smaller payments or a settlement offer but they have neglected to respond to him as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: NY
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 first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX Experian not listed XXXX  XX/XX/XXXX Payment status not consistent : XXXX  : Current Experian ate 120 days XXXX  Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

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 2023-07-19
Company: EQUIFAX, INC.
State: NY
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 accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX decided to contact the CFPB regarding an issue with a collection name FINANCIAL ASSET MANAGEMENT SYSTEMS, on XX/XX/2020, I sent them a letter, attached is the previous letter I mail to them for your reference. On my letter, I stated that I disagree with the offset of my refund of taxes, wrote them that I have called the number provided on the letter they sent me, to the Requesting Agency and also called the IRS office in regards to this debt/bill. And neither the Requesting Agency nor IRS has an actual bill or something showing this supposedly outstanding debt that they are claiming I owe. I have asked for a copy of the bill that they claim I owe that would actually show this debt and they both have told me they have nothing to send to me showing an actual bill proving that I owe this debt. The reason is because I do not owe anything to any company nor health insurance. I really appreciate all your help and assistance with this 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