BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: GA
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 started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

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 2020-05-08
Company: Arcadia Holdings, LLC
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: Account information incorrect

Complaint:
I paid Arcadia Recovery collections on XX/XX/2020. My account is reported every month and was reported as a Collection on XX/XX/XXXX and XX/XX/XXXX even though it was paid. I also disputed the balance with XXXX  and XXXX. Arcadia will not report this collection as paid and told me I had to wait 60-90 days. I cant get approved for my house and am living from place to place until this collection is reported as settled so I can get my mortgage pre-approval. Arcadia is making me wait 3 months ( 90 days ) and I just want to move into a house. Please see if Arcadia can report this account as paid or settled, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was under the COVID forbearance program, was unable to get off without refinancing my whole mortgage, which was not allowed under this program, but Community Loan Servicing refused to adhere to federal guidelines. I attempted to have my payments added to the end of my mortgage, which was offered to me in writing by CLS, but they refused to abide by their own offer. I ended up refinancing with another company. It was then I realized they charged me over {$12000.00} for " loan maintenance fees ''. They do not return my calls or emails asking for an explanation of this erroneous charge. I demand this amount to be returned to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 loan with BANK OF AMERICA, N.A and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, BANK OF AMERICA, N.A and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2020-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I wrote 8 letters to agencies to investigate my report. I requested inaccurate information be removed, it was not.

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 2018-12-31
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: Account information incorrect

Complaint:
I request XXXX XXXX to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit XXXX XXXX  Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Experian : 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 non-monetary relief
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called BoA XXXX  to let them know I had a fraudulent charge and they told me someone in XXXX  took my money out of an atm. I live in XXXX XXXX so I told them that wasnt me and they filed the fraud for me. On XXXX I got a letter telling me my account was closed, I call on XXXX telling them what happened and they told me to contact XXXX, Been going back and forth between both of them blaming each other

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 2023-07-23
Company: Experian Information Solutions Inc.
State: OH
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 15 USC 1681. 
Account name XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 1681s-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 the Information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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:
This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 NewRez LLC ( https : //www.newrez.com/ ) double drafted my checking account for XXXX charges of {$1200.00}. This is entirely incorrect as I submitted my monthly payment for my mortgage amount of {$1200.00} on XX/XX/2022, they in error double drafted my account for twice the amount they should have. This has already caused immediate overdraft fees, and other bank fees that are being added daily.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mazda Financial Services reported me to collections stating that I was 30 days past due. They did the same thing from last year XXXX  which was a lie stating that i was late on a payment. I have proof from my bank. I now send cashier checks to them. They have reported to the credit bureaus that I am late on my account again from the month of XXXX which is untrue. I contacted my bank yesterday for verification purposes. They in fact sent me a copy of both of the cashier checks that In fact have been cashed. They are reporting inaccurate information which is affecting my credit score which is messing me up In a major way. This is my last warning to them to correct their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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:
On XX/XX/2019, XXXX XXXX XXXX conducted an Equifax hard inquiry on my credit report without my consent. 

At this time, I was in the process of preparing for a move ( purchased a new home ) and their XXXX XXXX team ( alarm monitoring service ) conducted the inquiry as they were scheduling to relocate my existing alarm monitoring service. 

The call was recorded by XXXX XXXX XXXX and they were only supposed to check their internal payment history on my account. The recording will reveal that I told them I do not authorize a hard inquiry ( said this several times and had them define what they would be doing ). They insisted it was not a hard inquiry. 

I contacted Equifax and they can not purge the inquiry. 

I have contacted XXXX XXXX XXXX several times to reverse the inquiry and they have taken no action. 

XXXX XXXX XXXX should be fined for this fraudulent action and their resulting zero effort to resolve it. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2019, there was a loan supposedly taken out under my name and social security number with XXXX XXXX XXXX. However, I never took a loan out with them. When I contacted them to see what was going on the representative on the phone asked me, " ... if I had been shopping around online for payday loans, because sometimes people go online to look at their loans and inadvertently take out a loan. '' I don't see how having a system where you can accidentally take out an extremely expensive loan is even legal. I don't recall applying with them and I certainly never signed any documents. Thankfully I caught it before too much damage was inflicted. This seems like it's a scam.

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 2022-12-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dollars amount placed on hold to long, amount not adding up, bankers harass merchants, bankers copy merchants, banks baby sit account, banks question money funds to account, bankers stinks, bankers are to young,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES - need I say more. XXXX  buyers. 

Original creditor : XXXX XXXX  XXXX of proper account ownership trail, as usual. Their only claim of right to ownership is : " The original amount of this account was {$930.00} ''. What date was that? Was it the purchase date or payment date? Last activity is when the 7 year clock starts. 
No chain of legal custody of account provided by records custodian.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$500.00} initially as a cash advance. The loan documents provided at the time stated that I was to make XXXX payments of roughly {$120.00}. After all XXXX payments were made, I received a phone voicemail from customer service explaining that my account was currently in default and that I was overdue on a payment. I logged into my account online so that I could view my account 's status and noticed that it listed my account as in default. I immediately attempted to access the loan contract which I electronically signed through the website, but noticed that the documents were no longer available. I have previously accessed this loan agreement before. 

After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement. 

I immediately called customer service, and was immediately prompted by the representative on the phone that they were looking to acquire a payment for the defaulted account. I had explained my situation and then was put on hold for upwards of XXXX minutes. The representative returned to the line and told me that after physically looking at my account, all XXXX agreed payments had been made. She instructed me to call in XXXX days and that an accountant would have an answer for the system error on my account. 


I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.

Company response to consumer: Closed
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2021 sent a dispute letter to Equifax and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I called the customer service line for Citi-Financial, my best buy credit card. I knew I had promotional balances expiring in XXXX of XXXX. 

It took me nearly an hour to find out how to make a directed payment to these particular balances, the web site is convoluted and difficult to navigate when one is trying to pay-off one of these balances -- the user is instead repeatedly sent back to making a general payment that does not apply directly to the balance you are trying to pay-off. So you search and search to end up calling the customer service line, the only way one can make this type of directed payment. 

I called the number, requested a pay-off quote for all balances expiring in XXXX. I received a quote from a customer service rep for {$350.00} and I paid this amount on the phone at that time. 

About a week later, I received a notification that I had a promotional balance about to expire in the amount of {$.00}. This particular purchase had been made in XXXX of XXXX  and would have carried with it a penalty of a year 's worth of interest, surprisingly, the balances with lesser interest to be charged were paid in full as requested. 

I want to warn the American people of despicable practices such as this being perpetrated against the American people. This is a crime, it is fraud. It is fraud being perpetrated across state lines via the use of Federally regulated phones lines. It is the type of crime that people don't have the time or resources to fight back against. 

My name is XXXX XXXX. I can be contacted at this address or by phone XXXX XXXX XXXX XXXX at any time to provide any documentation you may need. 

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 2020-07-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent {$590.00} from my debit card to my debit card that deposit to my bank in Ohio because I was in Texas and due to COVID in Texas there is no walk in branches and there is no XXXX XXXX. I sent the money from me to me so that my bills can still come out my regular checking account. I called money gram and told them I am getting a error and usually it does not do that. The rep said he need additional information. He asked me several questions for which I am not going anything illegal and gave proof of my funds as to where it cAmd from. He said it would deposit in 24 hours. 24 hours past I call Money Gram back to be in hold again and on phone over 2 hours. The next rep transfer me 3 times and tell me about technical issues and they are working on it. Thats not my problem when I legally sent my money to my account and have bills to pay. Especially at a time like now. No resolution of a refund. Nothing but it will refund 24/48 hours. 48 hours later no refund back to my debit card call again a whole different excuse. I am not committing fraud. I sent a legal transfer with no transfer not a refund. So at this point I have sf t 2 emails to the help desk no response or resolution only a case number stating someone will be contacting you. Still no contact nothing other than I have my bills behind due to money gram. Attached is my sent transfer that Money gram failed to transfer. My emails. Plus my proof of funds where my money came from with my transaction history to transfer my money into my bank in Ohio. I have made it back home to Ohio and my money is still just sitting.

Company response to consumer: Closed with explanation