BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
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 XXXX account XXXX XXXX XXXXXXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX account XXXX finance on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy. 

In accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-07-13
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
Equifax is absolutely the worst company I have EVER dealt with. Not just credit reporting, but ANY company. You can not access their website, it always says they are having problems and try again later. Days, weeks and months later it is always the same. Then they want you to send in a written request for your annual credit report. I do that and weeks later I get a report to send copies of multiple documents, plus ANOTHER letter telling them what I am requesting, plus the ORIGINAL letter ( which was sent to them, therefore, they have, I do not ). Attached is their refusal to send me my credit report. 

I have tried for over a year now to get my credit freeze unlocked and to get a credit report and they refuse to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$100.00} Vanilla Visa Gift Card on XX/XX/XXXX ; XXXX p.m. at XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, STR # XXXX for my niece. She tried to use it and learned it had been hacked, fraudulently used and therefore no funds available. She filed a complaint with Vanilla Visa customer service and has been contacting them via email ( providing all they requested ) and via telephone since XXXX to the present date without success. I notice now there are several complaints against Vanilla Visa for the same lack of response and resolve to consumer complaints. We respectfully seek your assistance for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XX/XX/2002 for XXXX and after 15 years XXXX different mortage companies my payoff is even greater now at XXXX than it was 15 years ago. The first company was XXXX to XXXX and now Nationstar Mortage. I feel as if their has been so mortage fraud between the life of my loan with the multiple transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had contacted the company Paramount Recovery Services regarding this medical account that they purchased in XX/XX/XXXX from an ER visit in XXXX. I had advised that my insurance would cover it and it was removed from my XXXX credit report XX/XX/XXXX but has yet to be removed by XXXX. I would like this information to be updated on my XXXX account as this debt has been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: AES/PHEAA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX 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 2019-07-13
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
keeps popping up on my credit report as " collection '' this is not my debt it is ruining my credit i'm being denied credit because of this its been popping up for some time now i have no knowlede of this account i have been a victim of identity fraud its states amount is well into XXXX {$2000.00} i will prosecute this all the way again it is not my debt!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. BLOCK AND REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood in XX/XX/XXXX restricted my account for no reason, they asked for my ID, Bank Statamets, and a selfie, they dont allow me to take my money, I have been trying to request help but the help is very poor, they dont let me call because the only way to talk with them is using the app, they don allow me buy stocks, only sell.

I request help many times, via app, email, requesting phone calls, but they only said wait, wait 2 days, wait 3 days, wait 4 days, can be longer, and now they block any kind of communication

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see two collections debts that arent mine, i already disputed them at XXXX but i dont know how disputed them at XXXX because i dont have any information of these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I send NISSAN MOTOR CREDIT ACCEPTANCE CORPORATION a letter asking to verify an account reporting on my credit asking them to send documentation with my name XXXX XXXX proving that indeed I owe the alleged debt for this charge off. They reply with a letter saying they will not investigate violating my rights under section 623 of the FCRA. The FCRA is very specific if you can not prove it you must be delete it. attached I am sending the letter I sent them and the one they sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account was compromised and monies removed without my knowledge. The fraud committed was at four branches of the Bank Of America on the same day in Georgia. Person or persons withdrew {$18000.00} over four times in the same day. Based on the bank records Tellers paid the person or persons in cash from the four Georgia locations. Where was the security and bank due diligence? The account is located in XXXX at the XXXX XXXX location. I filed a fraud claim and the Bank Of America denied it. They gave away my money without a notice to me or a challenge to the fraud person. I 'm in XXXX and someone is stealing my money in Georgia and the bank did nothing. The next day I viewed my account and went to the branch office and filed a fraud claim. My wife and I gave them our debit cards and the office manager disposed the cards and we closed the account. I have filed an appeal to their decision and awaiting a final decision to my appeal. In the mean time I have filed a police report and will taking additional steps until this issue is resolved.

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account XXXX XXXX XXXX Reference XXXX  XXXX TransUnion 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

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 2020-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage servicer that I have been with did not pay me the full amount owed to me after my new mortgage provider funded the Payoff. 

Instead of crediting my last payment to my principal balance, Select Portfolio Servicing simply returned my XX/XX/2020 payment to me. 

Here is the summary : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Loan Payoff Code XXXX Payoff Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX Enclosed are two documents regarding the principal balance of the above referenced loan. 

One is a statement dated XX/XX/2020 and the other is a Payoff Statement issued by SPS. Both of these statements reflect my XX/XX/2020 payment having been received and processed by SPS. Both documents state a principal balance of {$470000.00}. 

Select Portfolio Servicing is obligated to return to me any and all funds in excess of the principal balance at the time of payoff of my loan # XXXX. SPS was funded {$470000.00} on XX/XX/2020. This added 8 days of accrued interest at a rate of {$38.00} per diem. The total owed to SPS for payment, per your Payoff Statement was {$470000.00} + {$310.00} ( 8 days interest ) = {$470000.00}. This means SPS owes me {$3500.00} On XX/XX/XXXX, Select Portfolio Servicing sent me a check in the amount of my monthly payment {$2800.00}, when in fact SPS owes me {$3500.00}. 

Please regard this as my official request for payment of the {$660.00} owed to me. I am sending this letter to Consumer Financial Protection Bureau with my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
I havent had a card since XX/XX/2022 I have disputed the transactions the merchants send reports that I made purchases when I did not. I do not have a card in my possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 2023-10-18
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account from National Credit Adjusters appeared on my credit report XXXX of XXXX for {$350.00}. This resulted in my score dropping XXXX points with XXXX, XXXX points with XXXX and XXXX points with XXXX. This inaccurate information along with the decrease in my credit scored caused a denial for a new mortgage for my family. I reached out to the creditor on XX/XX/XXXX with a certified letter ( XXXX Certification # XXXX XXXX XXXX XXXX XXXX ) requesting proof that I signed documentation with this creditor and instructed the creditor to notify the XXXX credit reporting agencies that this was an error. The creditor did not respond. I am now receiving phone calls from the creditor. On XX/XX/XXXX at XXXX XXXX  I spoke to a representative on a recorded line and advised that the debt was not my debt. The representative noted the account. I am currently reaching out to an attorney to submit a claim for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. These violations may result in at least a {$3000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation