BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2023-02-12
Company: SCA Collections, 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 was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I went into XXXX store on three occasions each time we were told the bill was wrong we were paid and getting a refund to ignore the bill. Now its in collections with a company who sent no notice until we filed a complaint. We have recordings of the conversations in the store and will be submitting anywhere and everywhere and potentially getting attorney. XXXX needs to do better train them better and not use companies with loose morals like southwest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: VA
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 accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last week I went to review my credit report and found that DRS has a collection record on me for {$580.00}. When I called them up, I was told that I took a payday loan from their client on XX/XX/XXXX. I told them it was false because I did not make any such transaction. The email they gave is not mine and they used the address of a house I sold in XXXX. 

I have called DRS over 3 times to send me the original application and to take it off my credit report but they turned deaf ear. 

My personal record has been breached by more than 2 companies. Last year, my employer ( IRS ) notified me that someone was working with my SSN and wanted to file taxes but it was foiled as I do not have a second job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights act. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.

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 2020-10-24
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I accepted an offer on a credit card made by Banco Popular de Puerto Rico ( " BPPR ). The offer was for 12 months interest free credit card for all transferred balances within the first three months of the card. Transfers were made within the first month. No other charges have been made to the credit card. To my surprise BPPR started charging interests to my account since XX/XX/XXXX. To this date they have charged a total amount of interests of {$1700.00}. A complaint was made on XX/XX/XXXX with BPPR ( Complaint Number XXXX XXXX, XXXX ) but they still charging interests on the pending balance. Furthermore, no credit has been made to correct the interests charged in breach of the credit card agreement. 
The situation is affecting my credit since the balance reported to the credit agencies fails to show the correct owed balance. To this date more than sixty days has passed since the complaint was made and the have done nothing to correct it. Although it was informed to them that I was in the process of a credit transaction with a financial institution and the situation was affecting my credit possibilities.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDIT AGENCIES HAS VIOLATED MY RIGHTS. 15U5C 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN CONSENT. 15USC1666B STATES THAT A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2018-04-26
Company: National Credit Systems,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:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: PROSPERITY BANCSHARES, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding XXXX XXXX XXXX XXXX ID # XXXX I applied for a mortgage with Prosperity Bank in received a prequalified letter for XX/XX/2021 to XX/XX/2021 for a conventional loan. I found a house which did not pass inspection. I found another house and was going through the closing process which was to be XX/XX/2021. 

When I started the process on the second house with another realtor the loan officer XXXX at Prosperity apparently threw my file away as if I had not recently received a preapproval letter which was still valid. She told me that I had to reapply for the loan, which was less than a month old. I RE provided all the documents requested and paid all the money for an inspection and at the end was asked to pay for an appraisal of {$700.00} which was overpriced as a standard appraisal is listed around {$250.00}. 

I found the letter stating that I may not need an appraisal and if I did it would be {$200.00}. 

All this time the loan officer was not communicating with me. My realtor and myself asked her if the loan was going to close and she said yes she wouldnt have me come this far in the loan process if I wasnt going to be approved. 

I work remotely and it was as if they made a point to get the company I work for to say I couldnt work remotely in Oklahoma then denied my loan. Sub services handles all questions about my work and they found someone who does not manage substitutes to verify a question that was out of their area of scope. 

As a sub I am basically independently contracted to the district and am able to pick and choose days when I want to work regardless of where I live at. The main point in to complete the job assignment I love picked up. 

I was approved for a conventional loan because I have a strong credit score. I have a long work history and am confused by the conversations I have had with the loan officer.

It seems to me that the loan officer was reluctant to work with me after she found out I am a woman of XXXX. I realize XXXX is known for the race XXXX and it seems to me Prosperity Bank is not in favor or prospering XXXX of XXXX. From working with the first realtor to the second their was a major lack of consistency. 

On the first loan I received congratulations on my property prior to completing my inspection! 

I have emails and documents to support these claims. 

You will see how the level of professionalism changes after XXXX when the approval letter and home loan was in progress. 

I am requesting a refund of my monies and a review of XXXX files to verify she is servicing all clients equally. And advise borrowers of XXXX to avoid Prosperity Bank. 

Thank you in advance for your assistance in resolving this lack of professional in the mortgage industry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my credit report on Equifax and XXXX I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

It also states that a consumer reporting agency can not furnish and account without my permission.

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XX/XX/2022 and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting the following inquiries without my permission or knowledge. 

These accounts are being reported without no permissible cause, no credit or loan was offered or receive. This is a violation of FCRA rules section 1681. 

1 ) XXXX XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 2 ) XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 3 ) XXXX XXXX XXXX XXXX inquiry date XX/XX/2020, no permissible cause a violation 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX card services- inquiry date XX/XX/2020, no Permissible cause a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: SUNTRUST BANKS, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is related to CFPB case XXXX. On XX/XX/2018 I approved a wire in the amount of {$8000.00} USD to be transferred to an individual in XXXX. The funds were supposed to be available to the individual in XXXX no later than XX/XX/2018. That did not happen. On XX/XX/2018 I requested a return of funds. CFPB case XXXX related to the delay in receiving funds. My account now shows that I received {$7500.00} for the wire transfer. This means that I have lost {$480.00} for a transaction in which SunTrust didn't fulfill its end of the deal ( i.e., the funds were not transferred to XXXX by XX/XX/2018 ). In addition, the transaction cost me {$50.00} in fees. While SunTrust responded to the last CFPB case, they did not provide me the telephone number of email of the employee ( i.e., XXXX XXXX ) who responded to my complaint. This type of client service is entirely inadequate.

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 2023-08-15
Company: Tower Loan of Mississippi, Inc.
State: AL
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: Billing dispute for services

Complaint:
tower loan 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 these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. XXXX unauthorized and unverified inquiries are XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX XXXX XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make my consumer report containing other than records of convictions of crimes

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 2022-04-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage has been reporting my mortgage as past due for MONTHS. This is not correct. I signed up for bi-monthly auto payments with them. They've been taking out the bi-monthly payments for months with no issues. 

When I finally reviewed my latest bill I noticed there was a late fee on it so I contacted them to find out why. They advised me that even though I was set up for bi-monthly payments I was a month behind? WHY would a mortgage company set someone up on auto pay without telling them they were behind and would remain so? So my credit score is suffering because of THEIR negligence!!

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from Equifax, XXXX, and XXXX Credit Bureaus, so on XX/XX/2023, I send Equifax, XXXX, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX  # XXXX 3. XXXX XXXX # XXXX**** Today XX/XX/2023 I check my report with Equifax XXXX XXXX XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22 XXXX Etherium coins were transferred to a third party account without my knowledge or authorization. I have called and emailed Coinbase on numerous times trying to get a log with dates and times when the XXXX etherium coins were stolen. To this day I haven't received it.

Company response to consumer: Closed with explanation