BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Foursight Holding LLC
State: GA
Product: Credit reporting 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:
I did not give Foursight Capital LLC permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
I have 3 student loan accounts from the creditor XXXX. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids Equifax from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. 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. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. Equifax only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. Lukert v. Eldridge, 49 Mont. 46, 139 P. 999, 1001; People ex rel. Fennell v. Wilmot, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in Equifax's investigation. Equifax is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from XXXX confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX  XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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

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 2020-11-04
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, Paypal permanently limited my account due to them saying that I did not follow their " user agreement '' but they did not provide me with any information of the breach. As a result, they notified me that my funds ( {$1200.00} ) was to remain on hold for 180 days per their " user agreement ''. While I was patiently waiting for my funds to be released, on XX/XX/XXXX ( 12 days before the 180 days ) they debited the {$1200.00} from my account and labeled it as " paypal 's damages caused by Acceptable Use Policy Violation ''. I then kept emailing paypal for answers and was left ignored or just received an automatic response. Then a month later, on XX/XX/2020, Paypal credited my account for the {$1200.00} and stated that the amount was debited in error. I continued emailing paypal over and over to see when they will release my funds and kept receiving an automatic response that it will be on hold for 180 days per their user agreement ; but I already waiting over the 180 days and Paypal clearly doesn't follow their own user agreement. There is nothing in their User agreement that states that Paypal is able to hold for more than 180 days or permanently. Due to my account being permanently limited, I am unable to receive any help on this and my messages are not being responded to. I have pictures proving this timeline and all the messages I sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime has suspended my account and requested documents from me to unsuspend my account and have not been responding after I sunbmitted the documents required, I have been trying to get access to my account for XXXX  months, now Im homeless with XXXX  children because I cant access my funds that are in my savings account, they keep saying someone will review or theyll escalate the matter and it never gets resolved, I have over XXXX locked inside of the account and its urgent I can have it removed to another bank or something please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I disputed the account XXXX XXXX preferred over 30 days ago. Transunion continues to report it despite my many complaints. The account XXXX, I have asked to verify the unauthorized charges, provide itemized statement, as well as provide good contact information. They have failed all my requests. Additionally, Transunion has violated my rights under the FCRA - specifically now, Article 611 for failure to investigate the dispute within a timely and reasonable frame. It has been over 30 days. They have also violated my rights :. The company failed to properly reinvestigate the XXXX account. My third dispute with them was on XX/XX/2020 after they ignored my past disputes. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had several opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. I have asked for documentation from the data furnisher ( XXXX ) on the unauthorized charges. However, they have not provided nor can I get ahold of them because mail is returned and phone they list on my report for them is non -working. Transunion has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). W/F and Transunion has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43, as they failed to correct the inaccuracies or provide documentation to my request. I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law

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 2023-02-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX, Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney. 

Balance on XX/XX/XXXX Loan Amount {$1700.00} Original Loan Amount. 
{$1200.00}. 

I have made calls to rectify this. 




These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.

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 2022-12-13
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a business checking account with Huntington Bank around XXXX. At the time of opening, Huntington Bank was offering a {$1000.00} promotion for meeting a minimum cumulative deposit requirement. I met the requirements around XXXX. Some time later, Huntington Bank froze my account and said that I had to step into a physical branch in order to unfreeze the account. At the time, I couldn't since I was living in another state with no physical branches. I called Huntington Bank and a customer service representative told me the account would remain frozen until I stepped into a physical branch. I decided to wait. Nearly 12 months later on XXXX, I called XXXX to book an appointment since I would be visiting a state with a physical branch. I was informed the account had been closed and the funds were mailed to the address on file ( a wrong address which I no longer have access to and could not update since my account was frozen ). 

For about 1 year, Huntington Bank has frozen at least {$3000.00}. The exact amount is unknown since I can not obtain any information about the account. When the account was closed, I was never notified, and the remaining funds were sent to the wrong address. I also never received the initial {$1000.00} promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018

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 2020-10-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute about fraudulent and inaccurate information on my credit report. And XXXX XXXX and Experian are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.

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 2021-06-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX Equifax and XXXX this alleged debt has been verified. How did they verify the debt if the company has provided that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Phoenix Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call form Pheonix Financial Services in regards to an account that I had not knowledge of. I explained that it must have been a mistake and to send me and documents they had about the matter. Eventually I got a statement in the mail and that was it. I've sent letters certified mail and my requests have not been adhered to and ignored. They have now reported this to the credit bureaus which has caused my credit score to drop significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair Collections & Outsourcing alleged that I owed XXXX to XXXX XXXX. My daughter lived at the apartment, but was harassed by management and had to leave in distress. She filed a complaint and they removed the item from her credit report. The company then placed on my report, thereby ruining my credit. Because of the harassment, this should be removed from 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 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of America did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with BOA they had originally agreed to remove the delinquency.

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: 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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Lakeview Loan Servicing in XX/XX/2020 that I had an escrow shortage of {$4800.00} I closed on my property XX/XX/2020, Escrow deposit was made, and all mortgage and escrow payments were made ( 1 late-by 16 days ) After numerous phone attempts was told due to a tax increase. 
I contacted the town, and told was up to date, and max increase allowed by law is 6 % ( which would be {$1000.00}, not {$4800.00} ) At this point, I sent another certified letter that I would like to pay my own taxes. 

The response I received was that they could not separate since I have a mortgage payment that was 30 days late. 

Of, course I have bank documentation of all transfers.

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 2023-01-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
on equifax report the correct address is not on my report and i cant get thru to equifax i try calling no respond the only address should be on my report is XXXX XXXX XXXX XXXX ga XXXX i been living there for 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with a lady at guaranteed rate of XXXX, va she had my file working on this and it was sort of long time well she pre approved me and then it was some time later she said over the phone i got denied not letter of this was given to me then i get a phone call she left my file undone and someone else took it over later to be told my credit score dropped and i was denied again and got a letter if they would not of took there time on this loan it would of went thru it cost me my forever home. Something to look forward to with my grandchildren so i am upset they took there time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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