BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NC
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 reached out to XXXX XXXX about account XXXX  XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, My name is XXXX XXXX on my Macys/DSNB account that was opened XX/XX/XXXX. There is a late payment for XX/XX/XXXX that I for sure know I paid. I complained to Macys on several occasions leading up to the payment due date that their processor was having issues with my bank and that it wouldn't accept my payment/ it wasn't going through. There was no bill sent to me or no notification up to the payment date however if you check my credit is is flawless. From when I had this account opened in XXXX up to XXXX there was never a late payment or missed payment except this 1 which is on Macys fault. I am trying to go for a mortgage loan and this is severly hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: LEXISNEXIS
State: NJ
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 REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX  AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED LEXIS NEXIS ON MY CREDIT THAT XXXX  AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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:
Im filed multiple disputes for the XXXX  XXXX account on my XXXX and Experian I showed identity theft report Ive showed police report they have went against fcra XXXX that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND XXXX THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: First Direct Mediation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First Direct Mediation contacted me on the behalf of XXXX XXXX XXXX. He told us that the debt collection agency that had it tried to contact us for almost a year. We havent received a letter. We were in the process of getting XXXX XXXX added to a XXXX plan. We are trying to get back on track. 2020 really hurt us. We wanted to try a XXXX plan before bankruptcy. I informed him of that. He then told me XXXX XXXX was going after us for theft by deception, fraud, etc. when that is not true. We had loans with them and paid them off several times. We just got stuck in hard times during covid and pay reduction. But like I said. We wanted to do a XXXX and pay our debt back. He told me that it didnt matter that even if I filed bankruptcy the debt could not be discharged which I was told is completely false. So I canceled adding them to my XXXX and set up a high amount payment plan with them. I feel like he tried to scare me into setting up a plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Santander Consumer USA Holdings Inc.
State: PA
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/2021 I sent a certified letter ( XXXX ) to Santander Consumer for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with Santander where the practiced predatory loan practices in the State of PA. Santander agreed to remove all loans from consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX I have repeatedly received aggressive phone calls from Avante USA XXXX claiming that I have an outstanding balance with their creditor/parent company XXXX XXXXl XXXX with in the amount of {$140.00} and another in the amount of {$200.00}! For an emergency room visit at XXXX XXXX XXXX, Florida that dates back XX/XX/XXXX! A visit in which all balances were covered by my medical insurance and the copay on my end was also paid in the full amount. As a result I have no balance or lingering accounts within either systems of XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX billing of XXXX XXXX XXXX, when I called and spoke to representatives on both sides, they had no record of an outstanding balance on file. So, for me to get a badgering call from Avante USA XXXX for a visit that occurred almost 2 years ago that was fully paid is clearly fraudulent and misleading. The validity of documentation of this balance in XXXX is highly suspicious as well! I completely dispute their efforts for collection for an XXXX  visit that was already paid for in which, I didnt even see one of the physicians that they claim Im my balance within Avantes file. I never received any notice, phone call, or communication of any other balances relating to this XXXX  visit and I would like for the account to be closed and dissolved as it is simply false nor can they provide me any legitimate verification or legitimate proof for the existence of any balance with XXXX XXXX XXXX to begin with! There are clearly a lot of instances nationwide with people fighting against being taken advantage of by Avante USA XXXX and affiliate XXXX XXXX XXXX! To top it off I dont even live in the state in which this claimed debt is owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in 2006, right after Hurricane Katrina. We were given a high interest rate of 9.24 %, even though we put {$25000.00} down and paid closing costs of {$15000.00}. During the Corona Virus, we struggled to pay the monthly payments. We have our own business and struggled, as everyone did. We asked them to work with us by lowering the interest rate. We have been asking them for many years to see if we can lower the rate. They can't do that because we are self employed. We feel that they are price gouging on the interest rate. We have been there for 17 years. We are now in our XXXX 's, our credit score is high. We feel like we are being discriminated against because we own our a business. There should be no reason for them not to be able to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON MY CREDIT FILE.

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 2020-02-12
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I only received response from credit reporting companies that the account was verified as mine

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 2022-01-26
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XXXX XXXX has been in business for over 30 years and we have been a PayPal customer using their payment platform as an option to our customers for many years. We are a small company with XXXX employees. 

In XXXX, PayPal started withholding our funds without notice. Again, there was no notice that they would hold our funds which I am not sure they can legally do. They are holding 62 % of our revenue which is obviously crippling to a small business. With the amount that PayPal makes off of their astronomical fees that they take out of each transaction, this is absolutely appalling. 

PayPal also has a history showing our spikes in sales to prove that these are common and funds have never been held before. I have reached out to PayPal over 8 times in the past 3 weeks. They refuse to transfer me to the department that reviews holds, they continue to deny my review of the account for releasing the hold, and the employees that I have spoken with have continued to tell me that there is nothing that I can do. 

PayPal is holding our monies hostage and are not giving us, the customer, a way to have it released in a timely fashion. It is absolutely horrendous that a large corporation can hold a small company hostage and no one can assist. The unscrupulous practices of PayPal need to be reviewed and they need to be held accountable, not just for us, but for all of their customers who trusted them to act as a company with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Personal information incorrect

Complaint:
XX/XX/XXXX Experian received and signed for my certified information which included a copy of my GA state DLs showing my DOB. For the past 4 months Ive been declined for products and services with the reason unverifiable this is due to Experian only having my year of birth ( XXXX ) showing on my consumer report. This has caused not only embarrassment but monetary losses as well with financial institutions not located in my area. Flight fees to have to go verify my identity. It is against the law to provide incorrect and/or incomplete information on my consumer 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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 recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRUIST FINANCIAL CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was stolen and then found car was totaled by my insurance but I retained the car I then paid off the never ending loan with very high rate. Car was paid off XX/XX/2017 And I have still not got the title. I have spent many times on hold trying to get the title they always say it is getting sent out but I never receive it. I feel this loan was a predatory loan because the principal would never go down.

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 2020-01-07
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: Information belongs to someone else

Complaint:
inaccurate information that is not mine see attach ftc violation police report enclosed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last year I went to the bank with my husband and the Bank manager suggested applying for a line of credit to protect for overdrafts. It was BBVA in XXXX Florida. 
Instead, the manager set up a XXXX fee for each overdrafting, as this was set up the bank took over XXXX from my account in XXXX, and my effort to cover my account and have money to pay my debts went down the drain, with fewer resources I was charged over and over and by today XX/XX/2021 the bank has taken almost XXXX leaving me short to pay my bills. It is so ridiculous that they charge me XXXX to pay XXXX. 
These drafts wont last under balance for more than a day or two, but because I'm XXXX short, it aggravated the issue. 
I made innumerous calls, I wrote complaints and nothing is solved. 
I lose time, I lost money and I need a solution and the bank is taking my time on holds over one hour at each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XACTUS-CP Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} CCS XXXX  XXXX Balance : {$1300.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023

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