BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have 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...

15 U.S.C 1681c 15 U.S.C 1681s-2

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 2021-06-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home closing was XX/XX/2021. My new mortgage was immediately sold to LoanCare XX/XX/2021 although I was told my loan would not be sold. 

I already had my direct debit setup through XXXX XXXX and had to call it in to get it setup through LoanCare.

Tried for 2 days to get into the LoanCare site- it's down. Links on this allegedly secure site are not active, SMS text messages to phones to verify the account are hit or miss - regardless none of them will verify you as the account owner or let you complete sign up. Big problem on a secure site- indicates there's nothing secure or viable about this mortgage site, nothing is locked down. Information can be entered but not kept confidential.

Had over 60 minutes tech support with LoanCare, they say no one is having issue. Site checkers say otherwise with many, many people at risk of not being able to pay due to a faulty website. None of us can get into their site to setup payments. Worse - this company holds personal and banking information- they have a responsibility to maintain a secure, working site.

LoanCare Website : https : XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX Just one of the Loan Site Down Logs : https : XXXX Another site stating same : https : 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 2021-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bofa gave my information to someone who has stole my identity and whoever stole it took money out of my bank account {$4000.00}. BofA is irresponsible and they shouldn't have did that ; they should have contact me letting me know that fraud was happening too my account. This is the second time this has happened first time it was {$590.00}. This needs too stop. This never should have happened a second time. And bofa should have know better then too give my funds away too someone pretending to be me over the phone without asking the proper question. They need to be held responsible for they are blunder and misuse of my funds illegally.

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 2017-12-12
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX a vehicle traveling at a high rate of speed lost control and crashed into my families primary residence causing catastrophic damaged. We have been going back and forth with out insurance company on the actual scope of repairs which is a complain of its own but not the one I 'm trying to currently address, my issue lies with my Mortgage company, Franklin American Mortgage XXXX XXXX. Upon receiving a partial payment from the insurance company, I sent in the check in total ( {$78000.00} ) to my mortage company to be put into escrow as was requested by both my insurance and mortgage company which was deposited by them into escrow on XXXX/XXXX/XXXX. Here is where my problem arose, the initial payment made by the insurance company was only a fraction of what I was quoted by 10 different independent contractors which were anywhere between XXXX at the lowest to XXXX at the highest to repair my home. Looking at all my options and getting rejected by every single contractor to take this job on for the amount provided by my insurance company to repair my home I realized I had no other option but to repair my home as a owner builder as permitted by both my county, city and California " business and professions code 7044 ''. Having years of building, plumbing and electrical experience behind my belt made this the only logical decision for my family and I, it is not something I wanted to do but unfortunately its only option and my only way to insure that my family gets back home. 

-On XXXX/XXXX/XXXX I submitted my XXXX followed by a Letter of request on XXXX/XXXX/XXXX as was requested by XXXX a subsidiary of Franklin American Mortgage to disperse the insurance funds for the repairs to me to start the repairs -I never received any phone calls back but when I called back again 2 weeks later they told me my request has been denied and for my to hire a contractor to start receiving the funds, I explained my situation and again was shut down XXXX I submitted a insurance adjusters worksheet again this was n't enough and they declined to release any partial payments to start the repairs XXXX I submitted a new letter of request siting the California " owner builder law and section code '', my engineers floor plans/blue prints, as well as my already approved City permits from XXXX XXXX XXXX XXXX repair my house as a Owner/Builder again i was strung on for weeks just to be denied without any just cause or them being to provide me with any legal documents entitling them to deny my requests. 

As of today it has been over 3 months of me loosing precious time to be able to get my family back home and I am truly believe that both Franklin American Mortgage XXXX and insuranceclaimcheck are both acting and Bad faith of the LAW and unlawfully withholding money needed to begin the repairs. 

Franklin American Mortgage XXXX XXXX Insuranceclaimcheck.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
Collection agency didnt validate debt they bought. Several letters I sent to PRA with request to validate XXXX XXXX balance allegedly owned with no valid response from collectors. However, I have provided collector with check copy which show paid off balance for the debt they were trying to collect second time. Despite all my efforts to proof the debt was paid off, PRA sent note to XXXX with attempt to collect debt which was paid off 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card with my first name and last name on a direct deposit debit card card from netspend. I looked up the company and they send all these people these cards which make it easier for identity theft. I have not activated the card due to high suspicion Im very uncomfortable that they send these cards with routing numbers, my name and possible access to other things I dont know about The picture attached also, i covered my name.

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 2023-08-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I was the victim of identity theft. My debit card and personal information was used by a criminal to successfully complete a transaction on XXXX by ways of XXXX for {$1900.00}. I received a notification from my Chase app as soon as it happened in real time and so I called Chase to let them know it was not me. They said they would look into it and to open a claim so I trusted them to take care of it. I did my part by calling them to let them know it was not me however, they did not do theirs by protecting my money. If I was in another state, they will cal you to make sure its not fraud, so why was my situation not treated with the same urgency? The complete authorization was not completed on XXXX end until the next day at XXXX. Almost a whole day went by and Chase allowed it to be successfully completed without notifying XXXX to stop it or intercepting it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card art my local XXXX dealership. I was denied due to having a freeze on my report. Citicards only use XXXX for credit decisions. 

I have been blocked from taking advantage of 0 interest rates and extended time to pay.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IN
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 Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 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 that the information is inaccurate.

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 2019-04-01
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:
Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
Transunion LLC reported on behalf of : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it 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 2021-09-01
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. 

Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received an email from Netspend stating an account has been formed and that a " prepaid Mastercard " would be emailed to me within 7-10 business days. The email never specified whether it is a debit card or credit card. I contacted Netspend as soon as I saw the email and was asked for my name and social security number and then was transfered to the Fraud IT department where I was then told that it was just an advertisement and the representative proceeded with a scripted sales pitch. This process is extremely misleading and forced me to provide the company with sensitive information that they did not previously have.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX Experian XXXX companies ( misleading information in my credit reports things that should not be on my credit report are still on them I filed bankruptcy in 2009 most of the items on my report should have been removed as well as hard inquiries ) I'm not able to move forward with negative items remaining on my reports they need to all 3 have the same information on them and they don't my credit would start moving in the right direction if most of the items on all 3 of my reports were removed there not keeping accurate information on people please investigate.

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 2019-10-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-10-31
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I purchased a XXXX on XXXX XXXX website Item ID # XXXX item description XXXX XXXX  XXXX XXXX XXXX XXXX mm Space Gray Case with Black Sport Band XXXX. I immediately cancelled the sale on XXXX XXXX website within 2 minutes of the purchase. The seller never cancelled on their end. About 6 hours later that day I received a text message from Paypal 's fraud department asking if I authorized a transaction for {$340.00}. I responded No. The seller on XXXX XXXX site never cancelled the sale and tried to place the purchase through. The seller was notified that the sale was charged back to them. The seller then immediately began to harass me and sent emails via XXXX, stating that I should have never of submitted for a chargeback and that they would refuse to communicate with me going forward. They then went ahead and mailed me a package. A package that I have till this day for evidence purposes. It contained a broken XXXX TV remote and a charging cube. I immediately opened an investigation with Paypal and explained what had happened they told me not to worry they will handle it. I also contacted XXXX to explain to them what had happened. They both went ahead and opened investigations. After a few weeks went by I was notified by both XXXX and Paypal that they were ruling in the sellers favor. I asked how in the world could they rule in the sellers favor when there was clear fraud and extortion that had been committed by this seller on their websites. I then proceeded to place negative feedback about this seller on XXXX XXXX website. Within a day or two they had removed my feedback as to avoid any traces of my discontent. I made them aware that there was another negative feedback left by another consumer regarding the same seller regarding the same exact item that was there days before mine was placed. They then within the next day removed that negative feedback. If this is not a coverup then I don't know what is. I ask is the Federal Government going to allow consumers to be defrauded? Myself and so many other are being defrauded by these major corporations and they are protecting sellers that feed them enormous amounts of business so they can also extort on the side? I beg that you open an immediate investigation into this matter and that my {$340.00} be refunded to me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
Company: Conn's, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. 
They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. 

They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXX, experian, and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and XXXX and experian a written perission to furnish these account. 

please remover this from my accounts please # 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 2021-02-02
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:
There are several inquiries on my report that I did not authorize on my report : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

EQUIFAX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation