BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : Experian XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2020-01-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacting LVNV about a {$690.00} collection that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. they have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Law Office of David A. Bader, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency claims that a judgement was ordered XX/XX/XXXX to pay. I received notice from my employer in XX/XX/XXXX that my paycheck was to be garnished. ELEVEN YEARS AFTER THE JUDGEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check cashed at Chase Bank was reversed after the check cleared. On XX/XX/2022, I cashed a check from XXXX XXXX in the amount of {$3200.00}. The funds were on hold for two business days then made available on Monday, XX/XX/2022. On Wednesday, XX/XX/2022, I noticed funds were overdrawn on my account. After calling Chase Bank, they mentioned a stop check was done on Tuesday, XX/XX/XXXX by XXXX XXXX and the funds deposited into my account were reversed. I asked how the funds were reversed after it cleared and the Chase representative said she did not know. I then spoke to a lead representative with Chase and he said the same thing, he didn't know. From my understanding, once a check clears, you can not reverse payment. Chase acted unlawfully by reversing payment after the check cleared on Monday, XX/XX/2022. I would like the {$3200.00} deposited back into my business account as soon as possible.The NSF fee of {$34.00} should also be credited back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NJ
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/2022 a complaint was submitted to the cfpb complaint number : XXXX I requested the description to equifax Because the account XXXX XXXX is reporting innacurate information to all bureaus. This company said they reinvestigated this account as accurate but they failed to provide documentation of the procedures they took to validate this account, I would like cfpb to step in because this credit reporting agency its violating my rights. 

15 USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: AES/PHEAA
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX discussed my debt with my father and mother-in-law without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: TX
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 federal protected consumer rights XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a notice from the debt collections agency Rash Curtis Associates, that I owed {$1200.00} on a medical bill from XX/XX/XXXX. I wrote back to them immediately ( so well within the 30 days cutoff ) that I requested validation. They sent me back on XX/XX/XXXX another collections letter that showed no more information than the initial letter. I wrote them a letter requesting more information and that their response to my validation request was not sufficient because I was trying to get enough information to correspond with my insurance and verify this or any amount was in fact due. They did not respond to this letter, but put in a negative report on my credit and sent me another collections letter with no additional information in the second week of XXXX, sorry I don't have the exact date that most recent letter is not with me at this moment. 
I sent all my letter registered mail and they signed for receipt of them and I have copies of all communications they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital One Auto Finance on XXXX, XXXX, 2021 made an autopay withdraw from XXXX XXXX. This payment was returned due a banker error, I have physical documentation from XXXX confirming it was banker error on a XXXX letter head wth manager contact information. Capital One has made no effort to try to rectify this, I have called multiple times, sent credit disputes directly to lender in question. They have brushed me off, as a customer who has never any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Caliber home loans - I was mislead by the amount I would receive out of the refinance even though I questioned on several different occasions. 
XX/XX/XXXX - I spoke with XXXX XXXX from Caliber who advised that I would be receiving approximately 10k.

I received approximately 1400.

Company response to consumer: Closed with monetary relief
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: 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 federal protected consumer rights 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 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the 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 2022-01-24
Company: EQUIFAX, INC.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF THE WEST
State: TX
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:
I purchased a $ XXXX travel trailer in XXXX of 2021. I put $ XXXX down. Bank of the West was the lender and XXXX XXXX XXXX was the Dealership ( XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX it has now been 7 months and I still have not received my tags. I have provided everything they have requested, I have made many calls trying to get my tags but Bank of the West does nothing to finish the transaction. What is my recourse to get them to do their part to finish the transaction?

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. 
It was for a credit collection for XXXX XXXX  address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In Last than a year I have 15 Inquiries came from XXXX, mortage Application. 

There are excessive inquirite in my account that happens without my consent. 
I had XXXX points, my credit report is dropping down. 
Have currently 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 2022-12-11
Company: EQUIFAX, 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 acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and the company CMG Mortgage bought my loan. I received a welcome letter telling me that my payment amount was {$2100.00} and given a PO box to send it to. I sent that payment via XXXX XXXX bill pay on XX/XX/XXXX. I checked back in with CMG on XX/XX/XXXX to make sure that they received my payment as I did not want to be late with my first payment and that it was at the end of the grace period. They told me they had not received that payment. I made a payment over the phone then so that I would not have a late payment on my account. I was told by the CSR rep that CMG would investigate and get back to me that never happened. I sent CMG an email asking for confirmation. 

I had not received another mortgage payment bill or email response by the end of the week of XX/XX/XXXX so I called CMG back. I talked to another CSR who read through the notes on my account, and gave me a PO Box to send the payment to. I did a test to see if it worked and it did. I was then advised by the CSR that I should use their online portal as the CMG email account was hacked and they were not responding to direct emails. A fact that the first CSR failed to tell me. I have sent multiple requests through this on line portal. I always receive a message telling me that they have received my message. I was also told that I would need to provide proof that the money was deposited into a CMG account.

I contacted CMG on the week of XX/XX/XXXX trying to get the issue resolved before XXXX. At this time I was advised by the CSR that I would need to escalate my issue, and that she was unable to get a hold of them on the weekends. She told me I would receive a call back within XXXX hours during the work week. I never received that call. 

I called back the week of XX/XX/XXXX with a person from my bank on the phone. I was told that I could not be given the information in the transmittal record because it contained the routing and bank account numbers for CMG. I was placed on hold while the banker worked with the CSR. When they returned to the line they confirmed that the information was accurate and that they would start to process the claim. The banker also sent them a fax and got a confirmation that the fax was received by CMG. 

I had heard nothing back from CMG and reached out them again the week of XX/XX/XXXX and asked for an escalation representative. That rep read the comments in my file and confirmed that they had in fact received the fax. She told me the CSR who entered the ticket for the claim coded it to the incorrect code. She then proceeded to enter the claim under the correct code. I was told that I would receive a call from them in 48 hours. I have heard nothing back. I was also told that the process could take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Dave Operating, LLC
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Dave account balance was {$280.00}. XXXX XXXX has breached my account and taken {$280.00} on XX/XX/2022. My password was changed, phone number and cash tag was changed on my account. I spoke with a XXXX Dave rep that wasn't helpful or concerned at all on reversing my payment of my funds of this unauthorized charge. The Dave rep told me " their system '' isn't set up to put my money back, but " the system '' on Dave is set up to allow this to happen and quickly make a recording for customers that the Dave accounts aren't breached, which isn't true because my account was. I attempted to change my XXXX XXXX, but by a unauthorized XXXX XXXX user, my XXXX XXXX was changed, Dave displayed I can't change it for 3 months. I did not authorize this transaction, it's the holiday XXXX and I need my payment reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: NJ
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested NUMEROUS times to have my mortgage statement MAILED to me. I initially requested e-statements but decided later I wanted a paper statement. 

The loan company is XXXX AKA LoanCare. My loan was to XXXX and I guess XXXX went into bankruptcy and this new company bought their portfolio. Anyway - I want a paper statement.

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