BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My adjustable rate mortgage is serviced by BSI Financial. The mortgage terms limit rate increases and decreases to 2 % per year. The rate was increased by 2 % as of XX/XX/XXXX and by 2 % on XX/XX/XXXX which exceeds the limit. BSI Financial confirmed the 2 % annual increase limit in various letters. The company is not following the terms of the mortgage. The rate has now increased 4 % in less than a year with rate increases of 2 % at XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.

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 2018-08-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month. 

I am now working with a law firm to remove the negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My transfer was from XXXX XXXX CEO of US Bank he confirmed to me he had the money and asked for my account. I gave it but the money didn't arrive. My money us federal ok given to us bank by XXXX and XXXX XXXX. No scam I called us bank Minnesota to XXXX and XXXX and was shot at. They treated me unfair. I have a question as the customer where is my wire. I was shot at again. I need to talk to the ceo it's not a wire to my account from a friend or XXXX XXXX it's only from federal to us bank for me. The date okd from us bank was XX/XX/2014 the amount is 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 2021-02-28
Company: SYNCHRONY FINANCIAL
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:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit 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 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/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 2017-12-14
Company: TENET HEALTHCARE CORPORATION
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:
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
On XX/XX/XXXX, I sent a letter to Equifax stating they have violated my right to privacy in accordance with 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

After showing that even XXXX XXXX found that the information was found to be unverifiable and moved to delete it from their record. Where then does Equifax gets its verification from to willfully be non compliant? This has caused me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA 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 explanation
Consumer complaint received 2019-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX {$45.00} on XXXX went to the wrong person ( complete stranger ). On XX/XX/XXXX the bank was contacted to send the money to the correct person the phone number was one digit off. The bank said it would take 10 days to correct but never corrected it. Now XX/XX/XXXX they are saying they can't do anything about it.

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 2022-08-11
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:
After my attempts to reach out to Equifax in regards to handle this matter, it is to no avail, that I am forced to file this complaint and take all necessary actions by exercising my rights as a consumer. Pursuant to 15 USC 1692a ( 3 ), I, am, the consumer and natural person. Without my permission or authorization, Equifax assumed their role, as stated in the congressional findings in 15 USC 1681 ( a ) ( 3 ). Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to insure that they exercise their grave responsibilities with fairness, impartiality, and respect for all consumers ' right to privacy. Equifax has been unfair, using unlawful adverse actions, violating and not respecting my consumer 's right to privacy, as well as, not adequately protecting my personal information, as a consumer. Equifax has continued unauthorized use of my credit report, allowing my personal information to be unlawfully accessed by and shared to unauthorized 3rd parties and unauthorized users. Pursuant to 15 USC 1681 ( b ) ( 2 ) the furnishing of a consumer report must be in accordance with the written instructions of the consumer to whom it relates. Therefore, I demand that Equifax immediately cease and desist all furnishings or reporting, and unauthorized use of my personal information. I also demand that they send me all files containing my personal information, as requested. Equifax has violated federal law and my consumer rights so, as a result of the damages and sufferings, I demand monetary relief ; violations are liable for up to {$1000.00} in damages, per violation, under 15 USC 1681n and 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Experian Information Solutions Inc.
State: MD
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:
1. Identity theft began in mid XXXX with diversion of mail to a fraudulent address through Change-of-Address order to USPS. All my accounts were changed to that address. 
2. Notified all credit bureaus and requested credit freezes online ; Experian website said to call immediately for suspected identity theft.

3. They are UNREACHABLE by phone; attempted several numbers many times. ( The other 2 bureaus were easily reached ).

4. Have twice filed reports online disputing the fraudulent address with no clear response. 
5. On XX/XX/21, sent registered letter to Experian ( attached ) which they signed for. 
6. The only response received was an email communication dated XX/XX/21 stating they were unable to honor my request ( report # did not match that on my letter ). 
7. On XX/XX/21 they posted a {$26.00} charge to my credit card for a credit report ; I never asked for this and never provided my credit card to them for such a purpose. I received a copy of my credit report through the FTC site where I reported the identity theft. The charge is being disputed with my bank. 
8. I am aware that Experian has disseminated the fraudulent information to at least one other agency ( XXXX XXXX ) without any attempt at verification of the change. They offer protection plans to consumers for a fee but they are part of the problem.

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 2020-07-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had PayPal  and XXXX since they started and nothing shows upon my credit I need help

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 2019-10-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
" WELLS FARGO '' REFINANCE ON MY SECOND HOME. AFTER 4 MONTHS OF AGGRAVATION AND NO GOOD REASON TO MOVE ALONG QUICKLY. THEY HAVE CHANGED AND MANIPULATED MY CLOSING COSTS. I WAS CLEAR FROM THE BEGINNING. I WAS NOT GOING TO PAY ANYTHING OUT OF POCKET. I WAS ASSURED THAT I WOULD HAVE TO ONLY PAY A APPRAISAL FEE. I DID PAY THAT FEE. 
THE DISCLOSURES AND THE CLOSING DOC ALL HAVE DIFFERENT CLOSING COSTS, THAT I WAS TOLD TO IGNORE. NOW AT THE TIME OF CLOSING THEY ARE LOOKING FOR MORE THAN {$4000.00}, THE LOAN AMOUNT HAS DECREASED AS WAS THE INTEREST RATE. 
MOREOVER THEY SEND OUT DOCS ON XX/XX/19 AT XXXX ON THE SAME DAY THEY WANT THEM REVIEWED AND BACK OR ELSE! 
SEE ATTACHED DOCS AND EMAIL

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 2019-05-10
Company: LDF Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Four months ago I took out a payday loan for {$500.00} from Amplify XXXX. I have paid {$170.00} every month until I asked a loan officer and was told I was paying 400 % interest on the loan. I was not told this when I was approved over the phone after applying online. I have contacted the Minnesota Attorney Generals Office and the Minnesota Department of Commerce who besides their investigation, recommended that I contact you as well. I want my loan dismissed and my money I made payments be returned. The are apparanty owned by a XXXX XXXX XXXX XXXX..they are NOT licensed to give loans in the state of Minnesota. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX . XXXX XXXX Minnesota XXXX I received no loan documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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 I received {$460.00} in my account on XX/XX/XXXX. My account was limited and I had to wait XXXX. I received an email stating my account is eligible for withdrawal. I tried adding my new bank account and credit card and, was n't able too.Check request is not an available option.I called customer service and which they requested me to upload the new bank statement and ID so they can add the bank on their end since the bank on file is no longer active. They stated they not able to issue a check. On XX/XX/XXXX I received an email stating they can not add my bank do to the limitation on the account and that I have to contact legal services for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, a man named XXXX called from the Bank of America customer service number, XXXX ( XXXX ) XXXX claiming to be with the Fraud Department. He said my savings account was compromised and I needed to send {$2500.00} via XXXX to XXXX. He would then send the money back at XXXX  and the next day I would receive a new savings account number. He also told me for security reasons to update my password and delete the Bank of America app. I immediately called Bank of America and they said it was a scam and I filed a fraud claim with them.

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 monetary relief
Consumer complaint received 2019-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was actually talking to a representative from FCO and made payment to pay off this account and they mentioned that as long I pay the collection account, they will remove this from my credit report. Fast forward several years later, it's still on my credit and attached is a paid-off letter receipt from them.

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 2021-09-02
Company: EQUIFAX, INC.
State: NC
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 have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The account for which Portfolio is attempting to collect is " time-barred '' in the State of California. I asked for verification of the debt but never received any written report. I asked for them to stop calling me, but they have not stopped. 
Each call I have received has been from different phone numbers. 
Each time they call, the company " dings '' my credit rating.

Company response to consumer: Closed with non-monetary relief