BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: IN
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 account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Willfully FCRA Violations by Experian, XXXX and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from Experian, XXXX and XXXX, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX  who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.

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 2023-06-13
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-04-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage has been serviced by Loan Depot, and I was paying each month by automatic bank transfer.

Yesterday ( XX/XX/XXXX ) I received a mortgage statement in the mail from a new company, XXXX XXXX XXXX, indicating that I was already late on a payment. It seems that Loan Depot sold them my mortgage without my notification. Calling Loan Depot, I found that they had sold my loan only 15 days before the new mortgage was due at XXXX XXXX XXXX.

Upon further investigation, I found that Loan Depot had cancelled my automatic payment without my prior knowledge or authorization. As a result, I am delinquent on 1 month of mortgage payment without any fault of my own.

I have the following complaints : 1. Loan Depot canceled my automatic bill payment without notifying me, thus making me delinquent on a payment without my knowledge.

2. Loan Depot sold my mortgage without providing 30 days notice of the effective date of transfer. ( From my discussion with XXXX, a Loan Depot representative, their records indicate only 15 days notice, occurring XX/XX/XXXX ) 3. Loan Depot did not inform me of this change, as I did not receive a notification letter.

4. Loan Depot has an automatic phone system that will not allow me to call them to speak to a representative. The system recognizes my phone number, informs me that the account has been transferred, and hangs up. In order to speak to them, I had to use someone else 's telephone. This is just one example of extremely negligent customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Company has been holding insurance claims proceeds in the amount of {$130000.00} since XX/XX/2019 from a casualty loss and will not disburse the any funds. All of the appropriate documentation has been submitted, but they continue to withhold disbursing proceeds. Each time I call, which has been countless over the past 3 months, I get a different representative and a different excuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: OH
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. 
Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$20000.00} 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 2018-02-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 My XXXX XXXX  Checking Account showed a ACH deduction from Mr. Cooper, my XXXX XXXX XXXX. The amount was my normal Mortgage payment of {$1200.00}. I already paid my XXXX Mortgage payment on XX/XX/2021. I am not behind on my payments. I also do not have automatic payments set up with Mr. Cooper. I pay every month with Mr. Coopers  online service. My payment dates range from the first of the month till the XXXX or XXXX of the month. I have never had a automatic withdrawal and if I did I would not have 2 Mortgage payments being deducted with the same month. My next Mortgage payment is due XX/XX/2021 with a grace period until XX/XX/2021. Mr. Cooper released a statement that thousands of not more customers had their accounts withdrawn without prior authorization by Mr. Cooper over the weekend. They also stated in their press release all cases were resolved by the end of business on XX/XX/2021. My account is still showing the {$1200.00} as a deduction and I had to file a complaint to dispute this amount with XXXX XXXX. This dispute can take 10 days or longer. In the meantime I am not short {$1200.00} that is to be used for other bills and necessities. I believe the actions of Mr. Cooper fall under the UDAAP law and I would like to know what can be done to rectify this error by Mr. Cooper. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. Most of the paperwork was already in order and all I needed to do was sign, which I did. The payments were {$520.00} for I believe 72 months, which I agreed to pay. Six or seven months after purchasing the vehicle I noticed that the finance company, XXXX XXXX, was reporting negative remarks to the credit bureaus stating that payments were late. I contacted XXXX and I was told that it was an error and that it'll be corrected. XXXX XXXX never corrected the negative payment history that was being reported. Two and a half years of paying $ XXXX a month, XXXX XXXX   decided to report my account as a charge off even though all payments were paid and up to date. XXXX XXXX has reported that I haven't made any payments on {$20000.00} loan. That information is false and I have every receipt for each payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  Fire Department XXXX XXXX XXXX XXXX XXXX sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. They stated that that they called my cell phone but never left me a voice message ... .therefore I never knew that there was an outstanding bill. 

I NEVER received a phone call message OR bill via Americollect either. 

The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. 

I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) Americollect told me that there was nothing they could do re : my credit report. 

How can pay a bill when I never received it?? 

Apparently, the billing department had my address listed in XXXX WI and not in XXXX, WI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX XXXXXXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Experian  : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A

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 2023-06-13
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Chase bank toke for XXXX dollars today the whole bank was in on it. Made look like I was nothan.i work as XXXX XXXX XXXX for California an XXXX. This the second time JPMorgan 's has done. He the real hacker an theif.i know he say to invest into his business after you get paper an. The document in go to bank to your money an there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Account information incorrect

Complaint:
XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX  is Reporting XXXX as my Credit Limit for which isnt True

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 2017-12-17
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.

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 2021-07-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Please compel AMERICAN EXPRESS / BLUEBIRD to provide me full account history and balance. 

I request FULL TRANSACTION HISTORY specifying : 1 ) date, 2 ) dollar amount and 3 ) merchant BLUE BIRD / AMERICAN EXPRESS keep telling me I must setup an online account. I already setup an account and can not access balance or transaction history for this card. 

I believe I should have funds on this card - and can not access full transaction history online or via phone. I have tried for several months now to gain access to my account history - to no avail!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new account with Wells Fargo in early XXXX. I decided to use it for more of a direct deposit account. Anyways On XX/XX/21 I noticed there were 16 XXXX transactions that were made from my online account plus there were 2 additional names added to my XXXX account. I called Wells Fargo letting them know about the XXXX transactions and they were very helpful in making a new account. Changed my password and said they were filling a fraud claim. They said it could take 10 business days which I understood just wanted to get it handled. I called 3 separate times with the 2 weeks and was never really told anything helpful. Then the 10th business day arrives and they tell me that my claim has been denied. Around XXXX dollars was stolen from my account and they tell me sorry nothing we can do They of course deleted the 2 names from my XXXX  account but they are still claiming it was authorized!

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 2021-04-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had a XXXX 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact XXXX as well as dispute the account with Experian and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When Experian reaches out for validation they respond that all information is correct and continue to update the account on 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