BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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 contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information.

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA.

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment.

This complaint is being filed as part of the documentation being presented to the courts.

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 2022-12-03
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:
I am a victim of Identity Theft and Transunion is being negligent in aiding me in resolving these fraudulent accounts. I am attached my FTC report and documentation for Transunion to review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) earlier this year. At the time we were behind a month, maybe two, but we had continued to make payments to keep it from falling further behind. During that time payments were applied within 24 hours. 

During the pandemic we asked per federal guidelines and from XXXX XXXX ( who guarantees our mortgage ) for a forbearance as our business had slowed drastically. SPS then sent us a letter stating we would have a balloon payment, in contradictions with guidance from the CARES Act and XXXX XXXX. 

During the forbearance period we continued to make payments to catch up our loan. In XX/XX/2020 we made two mortgage payments at one time, this is when problems began as it took numerous contacts to have SPS apply the payments. On XX/XX/XXXX we made another payment which has yet to be applied to our account. We have also made an additional payment on our account as of XX/XX/2020 which also still has not been applied. If all payments were applied we would be current in our mortgage at this point, we have made contact with SPS a minimum of 6 times via phone call or email to get this resolved. We continue to get excuses. 

SPS is also beginning to add inspection fees and other fees to our mortgage which is in violation of our mortgage agreement that was transferred to them this year. They can not change our legally signed loan document without our consent which they did not get. 

SPS also settled with the US Attorney 's office of Maryland and the FTC for this similar behavior but continues to abuse the people with the same tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Fairway Independent Mortgage Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a notice that a loan was being processed in my name. I did not reach out to this company or enter into any type of transaction or agreement with this company. This is mortgage fraud and deceptive practices by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 noticed American Expess on my credit report supposedly stating their company loan money to me. I have sent them multiple letters requesting answers to questions that they should be able to answer as a company. I have sought after someone with firsthand knowledge. That could tell me more about this alleged account and give me answers. Unfortunately they can not answer them and have not taken their Tradeline off my credit report. With not responding and not showing proof that the company has loan money to me from their own funds. They do not have a legal right to be on my report. Ive sent them question they chose to ignore and not answer. These question would give me a good look if they indeed loan money from their own funds to me, complied with the truth and leading act, and has a legal right to collect on this alleged loan. American Express to this day, has not been able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company, Bull City Financial. This is about  proving I have a contract with YOU regarding the debt. What relationship have I agreed to with you for you to have the right to request these funds from me?

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy
of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay BULL CITY FINANCIAL the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

BULL CITY FINANCIAL must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I a
m REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act.

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX, Ok sent the payoff check for {$13000.00} by XXXX XXXX ( tracking number XXXX ). It was received by Flagship on XX/XX/XXXX at XXXXXXXX XXXX. XXXX XXXX said that the check cleared their bank in XX/XX/XXXX. I received a call on XX/XX/XXXX and was told I needed to make a payment and that they had not received the payoff check yet. I paid {$310.00} on the XXXX However, I called several times beginning the first week of XXXX when the payoff was not showing on my account. I was told I needed to provide the tracking number ( which I did ) and was told I needed to provide proof that the check was cashed. This was sent to them directly by XXXX XXXX. 

As of today, they payoff has not been applied to my account. 

I would like the account to reflect that I have paid off the car and the interest backdated to the XXXX when they received the check. I would like any overage amount returned to me.

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 2019-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GU
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been battling USAA for 2 months regarding my account. My account was hacked into twice and the bank is refusing to do a proper investigation. Theyve stated that theres no way someone can gain access to your PIN number which I have discovered is incorrect. Theyve also stated that theyre unaware of multiple attempts into my account which is also false. They have refused to do anything and have actually held me liable for the account being hacked

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal Credit established an account in my name without authorization and subsequently sent this account to collections.

I did not agree to become indebted to PayPal Credit. I did not authorize PayPal Credit to create a debt in my name.

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 2018-10-05
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: Old information reappears or never goes away

Complaint:
I disputed with experian on collection account XXXX XXXX XXXX twice. both time experian failed to verified this account is a judgement in XXXXand this debt is too old to place on my credit report.The collection agency place a misled informations on my credit report that the account was new but it was in fact the judgement is 12 years old and it should not be on my credit file.. Talked to experian they sound like they do not care or want to verify accurate information with this collection agency and have requested to certify the collection agency update informations like how this debt became and what type of debt. As I pointed out with experian that original creditor is personal name XXXX XXXX and it must be a judgement but experian failled verify under frca rule 611.

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 2022-12-03
Company: Genesis FS Card Services, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Was not notified of investigation status or results

Complaint:
I am hoping you can help me with my issues I am having with some creditors. I have a debt with both Kohl 's and XXXX XXXX. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last four of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 i was charged {$220.00} by XXXX that same day the order was canceled and I was charged for 1 item which left me with {$210.00} for a refund. XXXX released the funds that day. On XX/XX/2022 my bank account chime settled the transaction and then put it back into pending. I called chime and they said XXXX was responsible for the pending transaction I called XXXX and the billing department explained they released the hold they had on the account and a refund was issued and it was up to chime to release the funds. I again called chime and they said XXXX didnt release the funds. From then on XXXX me and chime did a conference call in which XXXX billing explained they released the funds and chime should release the funds on my account as well they then informed me I would not be getting my refund. I have called chime over 10 times and no one can explain why the transaction settled then went back into pending or why or where are my funds in the first place. They WILL not help me they will not answer my questions and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my account and charged me in overdraft fees. Wells Fargo did not compensate me for loss and damages for the time of my account being closed.

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 2020-07-13
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX  has made super hard the process if paying off my Business Credit Card for my XXXX XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the XXXX XXXX and our XXXX has been close with XXXX income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX   to understand the situation and knowing that the XXXX  has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer

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