BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX XXXX and Experian. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of XXXX usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chime account was closed with a ballance for some reason they wont allow me to know and now thier saying there will be no refund check sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

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 2020-11-06
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:
These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed a dispute with XXXX in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not 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 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. I had my information stolen by my siblings and abused my information repeatedly, burglarized my home 2 tines within 4 day 's, called me and made threats, I currently have a domestic violence protection order out to prevent further contact with me. However this has done nothing, I'm to the point where I legally want to change my name and ssn to protect myself. I even went as far as applying to be a police officer due to the fact that ssn will not help me right away. I have sprint bill, credit ( s ), cable, and collection 's in my name that I was not aware of. I want them removed if possible so I can Atleast function normally at work, I really don't feel safe or protected by anyone I seek help with. I get the run around and thousands of phone calls from debt collectors everyday 20 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- 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 2018-06-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is  attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. 

I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. 

As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: NC
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:
I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX Please allow me to add a bank. I tried adding a bank and got an error message. I called paypal and they not able to add the bank for me. I have {$420.00} USD available

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Flagstar Bank, N.A.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Flagstar reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX XXXX  XXXX  XXXX  was initially taken out XXXX XXXX Loan # XXXX and my mailing address at the time was XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for XXXX. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from XXXX to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware 3Mo. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the Flagstar Acct current. We request that the negative credit reporting from Flagstar be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan 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 2018-02-14
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tuesday, XX/XX/2018, I received a letter from SIMM Associates , Inc. stating, " Your account has been forwarded to this office for collections. This is a formal demand upon you for your payment of this debt ; however, our client, XXXX XXXX XXXX has authorized us to attempt a discounted payoff of your current outstanding balance. '' They want {$1200.00}. I do not owe anyone this, especially not this much money. I have never heard of " XXXX XXXX XXXX '' nor of SIMM Associates. In other words, I suspect this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to equifax - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CH-XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to XXXX - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi Reviewing Transunion credit report dated XX/XX/XXXX. I saw where Third party supplemental information was listed and has been since XX/XX/XXXX also listing over 30 items that are county records and federal records. these keep me from getting apartments and losing applications fees also high interest on vehicle loan. I filed a chapter XXXX and XXXX both was discharged. the XXXX discharged in XX/XX/XXXX, They even have a home I brought and paid cash for in XX/XX/XXXX listed on the back with Total lan Mass in square feet, Assessed land value, total improvement value, Market improvement value, Home equity, and others stuff that has NO business on my credit report. 

I applied for a car in XXXX Illonois at XXXX XXXX on that day and was approve and had to return car. XXXX XXXX XXXX XXXX is listed as requested ..They use XXXX XXXX XXXX XXXX  in XXXX NY . They also used XXXX XXXX XXXX Texas XXXX, XXXX This is uncause for and violating my rights and should be fine. I am XXXX and had paid out money and it was nonrefundable.

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 2021-05-09
Company: Experian Information Solutions Inc.
State: MI
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've sent numerous personal update information letters to the three major credit reporting agencies to have inaccurate information removed to no success. Dates XX/XX/2021 XX/XX/2021 XXXX {$21.00} each transaction 2 transactions.

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 2021-05-09
Company: EQUIFAX, 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:
Equifax data breach settlement I applied for the settlement amount credit freeze and never received any settlement check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation