BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 already have disputed this account multiple times for the last 5 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 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 any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.

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 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have submitted 3 complaints re the Bank of America. They are ACTUALLY ONE COMPLAINT BUT COULD NOT FIND A WAY To note old complaint. The last time someone was supposed to call me from the bank. The last person to call me was XXXX XXXX on XX/XX/19. I was not here but returned his call within 15 minutes. I did not hear back. I called again a couple of days later but no return call. He SAID IN HIS MESSAGE i HAD TO CALL BACK BY XX/XX/19. I want you to know that I followed his instructions but no response. They are being ridiculous. I mentioned the law in CT about subpoenas but they will not let me see anything. If they are correct, as they say, then why wouldn't they want me to see the proof? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/XXXX I contacted the CEO of Navy Federal Credit Union via email to request that she review my account and allow me to reestablish a credit worth relationship with the bank. She agreed and I was allowed a new account, clean slate and a fresh start with the credit union or so I believed. On or about XXXX XX/XX/XXXX I applied for a credit card and a refinance of my mortgage ( I was denied for both ). When I received a response from the credit union in the mail as to why I was denied for both, each letter stated that I had previously caused Navy Federal a significant loss. The reasons for denial were not the usual, your debt to income ratio is too high, credit card balances too high or you do not meet credit score requirements for these products. For the record at the time of applying my score directly from the bureaus were XXXX, XXXX and XXXX. I sent XXXX XXXX another email on XXXX XX/XX/XXXX requesting that she have a senior executive research what had happened and why the response of denials. Three executives from NFCU contacted me and I ask via phone and email " if I was not going to be allowed a totally clean slate and have access to all the NFCU products why give me a new account? '' None of the executives could answer that question so I sent XXXX XXXX another email requesting info on why I was given a new account with conditions and not a regular savings and checking account and to date neither the execs or XXXX XXXX have responded in any format.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX XXXX, 2021 we have repeatedly requested that Equifax lift a freeze on our credit report so that we can apply for a new credit card. Subsequently we've contacted XXXX to ask that they process our credit card request. XXXX has repeatedly stated that they still can not access our credit report because Equifax has our credit report frozen. 

Whenever calling Equifax they ask questions about loans or accounts we never had or others that are older than 7 years and that we have no records of them. After repeated attempts we have never been able to get through to an agent. They now have repeatedly rejected us from login online. We downloaded forms and mailed them ( received by them last Monday, XXXX XXXX, 2021 ) requesting that they lift the freeze on our credit reports through XXXX XXXX, 2021. 

Since then XXXX still reports that they can not access our credit report because Equifax has failed to lift the freeze as we requested. 

Our ability to manage our finances is locked down because Equifax has been completely unresponsive. At this point we do not believe we have any other recourse than to ask your department ( and/or our XXXX XXXXs office ) to intervene and push Equifax to XXXX responsive to customer 's requests. 

Thank you ahead of time for any assistance you XXXX be able to provide to move Equifax to become responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: WI
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 have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus XXXX, Equifax, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : XXXXXXXX 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 USDOEXXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX I realized that I was a victim of identity theft and fraud. I started writing dispute letters, calling the creditors and also the credit bureaus. Majority of the items were removed. Experian has XXXX XXXX on my credit after being removed by XXXX and XXXX. I have submitted affidavits and police report, and also a FTC report, I called and spoke with someone and he said he wont remove it and when I stated I was going to file a complaint he stated he didnt care. 
XXXX is still hold XXXX XXXX XXXX XXXX and that too is fraud. Other than these items I have great credit thats how they know they arent 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 non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My complaint is against XXXX, XXXX  and Transunion. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2019-09-09
Company: ATHAS CAPITAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19 - I closed on a refinance with Athas Capital Group XXXX Inc., XXXX. As of today, XX/XX/19 - the loan has not disbursed funds yet. It should have disbursed on XX/XX/19 and did not. The lender ordered inspections AFTER the disbursement period was over and did not follow up, to insure it was within the disbursement period. I feel they are in violation as the rescission period is for the borrower 's benefit and not to be used to delay funding by the lender. 

There was no disaster at my location, nor named a disaster as Hurricane Dorian did not hit my area. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 - purchased XXXX XXXX XXXX in XXXX XXXXXXXX XXXX ITEM # : XXXX and additional insurance for {$1700.00}, as a XXXX gift for my wife. Due to delivery issues we were informed the item would not be delivered until XXXX, which caused me to call in and cancel the order. We were advised to refuse delivery and return to sender. We are still yet to get a credit back to our credit card even after receiving and forwarding the confirmation email of acknowledgment of the return being received after sending numerous dispute letters back to the company. We are being told every time we call that a refund was generated on the last date we called and to check back in 5 business days. SAME STORY EVERY TIME!!!!! We have been making minimal payments for 8 months now for a bike that we have never even seen!!!

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 2017-09-27
Company: EQUIFAX, INC.
State: CO
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:
Unauthorized hard credit inquiry, on XX/XX/XXXXXXXX XXXX XXXX used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and XXXX in writing to no avail. XXXX and XXXX indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but Equifax and XXXX refused to follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred from XXXX to Loan Care. But I've noticed a serious discrepancy that needs to be corrected ASAP. 
XXXX XXXX Number XXXX Loancare : Loan Number XXXX The balance that should HAVE been transferred from XXXX to Loan care should have been {$430000.00}. But Loan care shows that the transferred amount was {$440000.00}. Please fix this ASAP. I've made a payment in early XXXX XXXX to XXXX. But Loan care shows the payment date as XX/XX/16 and the current balance shown by them is not accurate. It should have been {$430000.00} from 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 2021-05-21
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I hope you guys can help because I dont know what to do at this point. Ive been reviewing my credit lately and notice an account listed from Mariner Finance acct # XXXX. I was startled because I truly dont recall have any account with this company. So I submitted a letter which Ive attached by certified mail and notarized. When entering in my certified mail receipt # XXXX the letter arrived XXXX I also submitted a return receipt which the company altered and replaced with their own label ( this is truly scary ) So to my surprise I received a letter from the company with a representatives signature saying the information reporting to the credit bureau is accurate. I never disputed inaccuracies or info on credit. I asked for VALIDATION. Which the company failed to produce. This is not consent to give the company a XXXX for reinvestigation. The purpose of the complaint is to ensure the company deletes this account for failure to validate the account with documents. Ive attached all correspondence between me and the company please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: MO
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 following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were transferred from XXXX to another servicer, XXXX. Experian still reports the XXXX loans, and added the XXXX ones, thus doubling my reported debt. I submitted a claim that this was the case, but it was extremely obtuse. They only let me submit a claim for one of the loans ( the student loans are made up of multiple loans, taken out each year of XXXX XXXX  ), the investigation took months, and though it was eventually marked as " closed, '' there was no change that I can see -- they still report the disputed XXXX loan with exactly the same amount as a XXXX, because they are the same loan, only service was transferred. Experian still reports my student loan debt as twice what it actually is, because they do not ( and apparently will not ) remove the old, defunct XXXX loans.

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 2022-04-21
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I feel fustrate becouse my account has been close without any reason. 

i had a limitation and was resolve succesfully. 

so, now my money is hold, i provided all document to PayPal about me and now they do no want help me with this problem. 


i wll apreciate if they can restore my accoung back. 

ID reference limitation d. de referencia : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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