BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: SC
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 opened a prior complaint with Experian. ( # XXXX XXXX Experian responded with : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have previously contacted Experian directly to request a reinvestigation regarding the disputed information. Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. 

Experian then closed the dispute with no additional information from the debt collection company validating the debt. The company in question ( XXXX  ) still has not provided initial validation of the debt and has not followed the fiat credit reporting act requirements as outlined on CFPBs website. 


As outlined on the website A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. 
Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : XXXX The name of the creditor XXXX The amount owed * That you can dispute the debt * That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid * That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt * That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 
If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. 

Experian continues to ignore the requirements and allows a vague response from the company. The company still has not provided any validation of the debt and Experian is allowing the company to hold me hostage as a consumer by not protecting consumers against unfair reporting actions. 

I ask for CFPB to please not allow Experian to continue to run me as a consumer through an administrative process with no true intent to resolve the issue. Once again, this debt is not valid and should be removed from my credit report immediately.

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 2019-03-14
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I consolidated my student loans into one payment. In XXXX, when the Public Service Loan Forgiveness Program was announced, I contacted my lender to ensure that my loan would qualify. I'm a XXXX  and was elated to learn that it would qualify especially after having been given wrong information by my college ( University of XXXX ) and therefore not qualifying for the XXXX XXXX XXXX. The University failed to inform me that you couldn't have an outstanding loan balance prior to XXXX XXXX. I went to XXXX XXXX - XXXX and had approx. $ XXXX in loan debt prior to attending grad school for the XXXX   credential and XXXX XXXX program. Had they properly informed me, my parents and I would have found a way to pay off the relatively small amount of loans so I'd qualify. Anyway ... .MyGreatLakes, my loan servicer assured me I was in the right program so the other day when I logged in to the Public Service Loan Forgiveness Tool to begin processing the paperwork and find out that my loan doesn't qualify and in order to qualify I need to re-consolidate again from an XXXX to a new consolidation loan and my 10 years of payments starts all over again!!! After researching options online, I found many stories just like mine with my same loan servicing company. This is entirely unacceptable. I did what I was supposed to. It's not my fault I was given incorrect information yet I'm the one paying the consequences while the loan servicer gets off with no consequences. I was assured by my loan servicer that I'd qualify for forgiveness. If one can't trust the people whose job it is to provide proper information, who can we trust and how do we know what to do? Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 right tp 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: Lennar Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was initially preapproved with Lennar Mortgage. I was given communication stating that I needed to payoff debt in order to bring my Debt to Income in line and I would be able to close. However once I paid off $ XXXX in debt I was still told that I wasnt fully approved. I was told that I would be refunded my {$7500.00} earnest money and after three weeks of terminating my contract I havent received my earnest money back. I am concerned with the misleading sales tactics by the home loan consultants and them not providing the sales contract addendum disclosures. This was obviously a tactic used to hide additional fees being charged by the builder and unethical business practices. I am also disappointed in the poor communication and delay in refund of my earnest money. I feel that I was XXXX because of my 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 2019-09-05
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " Comenity Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
PayPal XXXX XXXX XXXX XXXX  on XX/XX/2022, spoke with XXXX. 

XXXX XXXX Can not add my XXXX account due to being on another XXXX account. Stated I have no other XXXX account under any other email address that Im aware of. 

Transferred to supervisor XXXX. She refused to remove the bank account on the other account that they had associated with my account, telling me to contact my bank instead. They refused to remove my bank account information from another account, supposedly with my name on it, and after I verified several email accounts that any other account might be associated, she started to cut me off from verifying more email addresses I thought of. Her solution was for me to contact my bank and tell them to refuse any more transactions from PayPal. I told them that would result in wanting to re-issue my checking account information and that was not an acceptable solution. Again, the supervisor refused to help me, referring me to my bank. 

I only have one checking account in use with PayPal and one PayPal account that I am aware of. The refusal to remove my verified bank account information from an unknown account puts my funds in danger of being fraudulently withdrawn from my account, making the only way for PayPal to do anything about the situation is after the situation has already gotten worse. This is unacceptable. 

Because of this, I have been denied the ability to transfer {$170.00} from my PayPal account to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this 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 2022-07-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Under the Fair Credit Reporting Act I have the right to privacy. 
In accordance with the Fair Credit Reporting Act any information that can not be verified must be removed. 

On XX/XX/XXXX I disputed the following hard pulls on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The dispute was responded to on the same day and the response from equifax was " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE FOR XXXX  YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I requested validation of my authorization for these inquiries. Equifax made no attempt to verify or validate this information. For this reason the entries must be removed Also when I tried to add a statement on XX/XX/XXXX the customer service agent refused to allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An attorney for 'Plaintiff ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about XXXX YEARS OLD now ... .. how is this even legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer 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 XXXXXX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Santander Consumer USA Holdings Inc.
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:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Insight Capital LLC (NV)
State: MA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Getting phone calls every day stating I oee money on a payday loan back in 2012 to insight capital with a phone number of XXXX. I have never heard of this company and never had a deposit from this company. My response from this company was prove it with your ban statements from 2012. Then they threatened me with taking me to court.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a CIT XXXX  account and closed it on XX/XX/2022 and transferred my funds to a new XXXX Account. In order for me to withdraw any of my funds out of my XXXX account, XXXX needs to verify via telephone the ownership of my CIT Account. CIT 's phone connection wait times are 100 minutes or more. I waited on the phone for CIT with a XXXX representative, for 2 hours on XX/XX/XXXX, and then CIT disconnected the call. XXXX has tried every business day for a week to contact CIT Bank by phone, but CIT is not available. Therefore, I am unable to access any of my funds in my XXXX Account because XXXX has a hold on it until they can verify my ownership of my CIT Bank Account. I am trying to close an escrow and need access to these funds or I risk losing my $ XXXX deposit and the purchase of my real property. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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 XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Trying to collect a debt that is not in my name and violations of FCRA in false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
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:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting one inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. It is a 60 day late payment posted in XX/XX/2018. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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