BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 non-monetary relief
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU

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 2021-01-24
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
Re : Remove Inaccurate Information from my Credit Reports. Account # -XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : AMEX Account # XXXX 1. The highest balance show {$0.00} on XXXX and XXXX while showing {$1000.00} on XXXX. 

2. Delete because inaccurate information reporting. The date Last Verified is XX/XX/XXXX on XXXX while having no verification dates on XXXX and XXXX. 

3. Delete because inaccurate information reporting. The Date Opened is XX/XX/XXXX for XXXX and XXXX while showing XX/XX/XXXX on XXXX 4. Delete because inaccurate information reporting. Creditor Type is " All Banks '' on XXXX, " Banks and Credit Cards '' on XXXX, and " Banks '' on XXXX. 

5. Delete because inaccurate information reporting. Last Payment is XXXX XX/XX/XXXX on XXXX while not showing a Last Payment on XXXX and XXXX. 
The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sir or Ma'am : In XXXX of 2022, we had a scheduled transaction series canceled without warning or explanation. This was set up to go from my personal account to our joint account. It has been doing this for years. Importantly, USAA says that ONLY the customer can cancel a transfer. They offer no explanation as to how this happened. 

We restarted the series. It did not go well. Somehow, starting the series results in a magical counter series. From XXXX to XXXX, {$2000.00} went into the joint account and then {$2000.00} came right back out. In each instance, we canceled the errant series and confirmed that it was canceled in the system ( i.e. not showing as pending transfers ). The next month it would pop back up. 

We contacted USAA after canceling the errant series the fourth time and USAA confirmed the problem. It was canceled on the consumer side but not on their side. Well, that is the problem. To date, many months later, USAA still can not confirm that the series undoing our actual recurring transfer is ended. It's impossible. 

In the last instance, this caused an overdraft. That incurred fees we would like refunded, particularly after USAA confirmed that canceling the errant series on our end was indeed NOT working. 

Instead of doing so, USAA has resorted to petty gaslighting and outright mendacity. 

According to USAA, for three months in a row, we set up the transfer we wanted and then immediately undid the transfer. Apparently, we are so unmoored from reality, that on the third instance, we did it and DELIBERATELY caused an overdraft on our own accounts. Worse, when reporting this, we were apparently trying to make sure it happened a fourth time rather than have the problem with the uncancelable transfer stopped. 

No amount of communication appears to have any effect whatsoever. 

Customers are apparently just moving money to an account for a day and then taking it back out for no other reason that to be mean to the bank. These guys are absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: SC
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 have sent multiple disputes to the credit bureau giving them information on why the auto loan with XXXX XXXX XXXX  XXXX is incorrect on my credit report. The account was opened with the lender in XXXX of XXXX. Our last payment was mad eon the account before the end of XXXX. We have asked them to investigate. We believe that the lender reaged the account to show a payment in XXXX to keep this account on our credit report for longer than normal. This account has been marked as charged off as well but there is constantly showing an outstanding balance of over {$20000.00} on the account. It has caused us much strain since when our credit report is pulled the inaccurate information is shown. I would like this account removed and the credit bureau sanctioned for not properly investigating customer disputes. The last time that we paid taxes on the vehicle was at the beginning of XXXX for tax year XXXX. If we had the vehicle past then, we would have been forced to make additional tax payments to keep the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-06
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
Hello, Ive been having trouble acquiring the title to the Hyundai Motor Finance car that I paid off in XXXX. Summer of XXXX I was advised to send a check payable to Commissioner of Motor Vehicles. 
I called back XX/XX/XXXX to follow up on status and was told the check was rejected as it should have been made out to NYS DMV. 
XX/XX/XXXX I sent another check and followed up in XXXX and was told it was rejected because it should have been written out to Commissioner of Motor Vehicles. I explained that is why it was rejected the first time. 
XX/XX/XXXX customer service advised me to request online and provided me the zip code in Tx directly. DMV confirmed transaction was sent. 
XX/XX/XXXX I followed up again and was told I need to write a check all over again. I explained I have been doing this for 2 years now and getting no where. 
Please can someone help me. 
Thank you

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP XXXX You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. Transunion has an Ok. XXXX is not reporting anything incomplete Transunion you are  reporting a ok late XX/XX/XXXX Transunion you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at 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 2019-11-11
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:
Equifax is reporting incorrectly a collection/charge-off in the amount of {$11000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page from my credit report attached. ) XXXX  and XXXX  are reporting correctly. This account has a {$0.00} balance and should be reporting as such. This false reporting of a collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ALLY FINANCIAL INC.
State: GA
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:
They are not reporting to any credit bureaus

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 2019-06-06
Company: EQUIFAX, INC.
State: MS
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:
I have submitted letters to all three creditors to have my personal information updated, such as ; my name, and address, but unfortunately some of my information is still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CAINE & WEINER COMPANY, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, Caine Weiner added a collection account for XXXX XXXX for {$610.00} on all 3 of my credit bureaus. I had XXXX XXXX last year and then switched companies. I contacted XXXX to inform them of the cancellation date in XXXX of XXXX. They assured me everything was cancelled and there would be no balance owed due to the insurance being paid in advance for the month. I noticed the collection in XXXX of XXXX. At which point I contacted XXXX and they informed me the agent never properly cancelled my policy. They admitted to fault and said they would send all necessary documentation to the collection agency for the account to be deleted from my bureaus. In XXXX, they were still present on my credit. I called XXXX again and they directed me to Caine Weiner. Caine Weiner directed me back to XXXX. I called XXXX again and a supervisor told me that if Caine Weiner wouldn't deleted it would have to be disputed. I tried to call Caine Weiner one more time, they told me there was no other way to delete besides paying the balance in full or settling the amount. Settling the amount would not delete the account, it would only show the derogatory account with a XXXX  balance. This was not a balance that I owed, therefore I don't believe it is fair to pay a debt I don't owe or have derogatory Mark 's on my credit for an agent 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX I spoke with XXXX XXXX at PennyMac to refinance my loan. We discussed what I wanted in the loan. I was very clear of my credit and past history. I told XXXX I did not want to have the taxes and insurance escrowed into my loan. XXXX filled out the application and asked for me to sign it but would change it later not to include the escrow account. I also said I wanted to pay off the PMI for the entire loan upfront and did not want to pay any closing cost. 

XXXX said in writing this would be fixed but it never happen. He came back to me almost three weeks later telling me nothing he said closed be but I could still move forward with the loan. At this time I asked for supervisor who refunded the money I paid for an appraisal. He told me I could have a new loan person which I said I would. This never happen. In fact everyone stopped speaking to me. I call XXXX [ the supervisor ] several time and finally sent a email. To this date he has not responsed. I called the number and asked for his supvisor or the loan processor to call me. I called her and emailed her for over 48 hours and I got no response. Eventually on one of my many calls someone told me the loan was declined because of a foreclosure that will be on my credit until XXXX [ this is not true I do not have a foreclosure on my credit at all ] and a misstatement of my income. I asked it they would like me tax returns & to speak with XXXX XXXX [ she never returned ANY of my calls or emails ] [ she was the loan processer ]. During this time the interest rates have gone up and I missed out on a better rate. This has also negatively impacted my credit score. I have additional emails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: PLAZA HOME MORTGAGE, INC.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We applied for a VA mortgage through XXXX. They sold the loan shortly after closing ; however, we were not informed until after we submitted our first payment. This check was cashed by XXXX on XXXX XX/XX/2020. Upon being informed of our new mortgage company, Plaza Home Mortgage, I reached out to them on XXXX XXXX. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : XXXX Subject : Previous Payment Confirmation Date : XX/XX/2020 XXXX AM XXXX Good Morning : I am reaching out to confirm our previous mortgage company provided you with a payment we made prior to us benign informed they had sold our mortgage to Plaza Home Mortgage. XXXX was atrocious to deal with and I have little faith that they will communicate with you all. I have attached a copy of the cleared check. If you can assist in ensuring this previous payment is credited to our account ( ending in ), I would greatly appreciate it. Please let me know if there is anything further you need to complete this process. Thank you in advance for your time. 

- XXXX They responded on XXXX XXXX : Dear XXXX, The account is current when we acquired the loan on XX/XX/2020. The next due date on the loan is on XX/XX/2020. If the payment you sent was for XX/XX/2020 due and mailed to your previous servicer, do not be concerned or stop payment on your check. We will work with XXXX XXXX XXXXXXXX XXXX to expedite the transfer of those funds to us. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The situation has yet to be resolved. I have attempted to contact the mortgage company two additional times since XXXX XXXX but our account still has not been credited with the first payment made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
I sent Experian a notarized dispute letter regarding inaccurate personal information back in XXXX and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XXXX. I requested that one name, one address, and one phone number should be present on my report, and any other personal information than what I put on my notarized letter should be removed immediately. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well.

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 2023-03-06
Company: Upgrade, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated phone calls with no voicemails left from Upgrade, a loan company. They are calling from various different phone numbers in Arizona : XXXX ; XXXX ; XXXX ; XXXX ; and others. No message is left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.

Company response to consumer: Closed with explanation