BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries are on my report and I did not authorize them. I tried to get this resolved but Transunion said they can not help me XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX 2019

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 2017-12-22
Company: Experian Information Solutions 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:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

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: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express messed a refund up that XXXX XXXX had provided and held nearly {$2000.00} in limbo for over a month as they had difficulties getting it back to me despite disputing the charge with American Express directly. I reported them to CFPB, XXXX, and Attorney General of Idaho 's office. Following my report to the attorney general, American Express reviewed my account and subsequently canceled it. When I called to inquire on my account, no one in their organization would help me and kept referring me to a different office that was closed. I was hung up on multiple times. When I called back and spoke to the executive assistants office I was told that it was canceled due to abuse and going against the values of American Express. This feels retaliatory in nature to reporting them and happened within days of correspondence from the Attorney General. This also happened 5 days after I was charged a {$250.00} annual renewal fee. I inquired to get this credited back to my account so I can pay the balance off and wipe my hands clean of this company. They refused to do credit it back and said that it will show on my next billing cycle as a refund with a XXXX dollar balance on the account and will try to have difficulties getting it back as I no longer trust them to do this accurately. I am disputing this charge but meanwhile they will collect interest and expect me to pay the annual fee on this billing cycle while reporting an inaccuracy to the credit bureaus. I am filing this complaint with the CFPB, XXXX, Attorney General of Idaho, and all three credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
28 U.S. Code 1738B Full Faith and credit for child support orders- ( c ) Requirements of Child Support Orders- State on orders Louisiana ( NOT TEXAS ) 18 U.S. Code 1509 - Obstruction of court orders Title 42 Sec 1983 Tite 18 USC Sec 242 Deprivation of rights. Makes it a crime for a person acting under " color of any law '' to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States. 
I have no Texas Child Support Orders by a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Three things. 

First, alleged debt was never properly validated by affidavit in accord with XXXX  XXXX. A formal request to provide this was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/2020. 

I am demanding Chrysler / Santander disclose all documents upon which they are relying in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. Section 1681g, which state the consumer is entitled to said records. 

Secondly, the repossession was called off according to XX/XX/2020, correspondence from Chrysler yet was immediately put back on the books on XX/XX/2020, without validating purported debt. When I asked manager # XXXX on the phone today for the contact information of the repossession company, she refused to provide it. 

Thirdly, I have no clue which entity is truly attempting to collect the alleged debt. Demands are from Chrysler Capital and a year end tax statement provided from Chrysler Capital shows their Federal Tax EIN to be XXXX. Yet when one searches the data base for that EIN, it does not exist. In contrast, certified title records from the Florida DMV show a Federal Tax EIN of XXXX-XXXX, which belongs to Santander Bank. This seems very suspicious and fraudulent. Which entity is truly trying to collect on this alleged debt? 

As an aside, the beneficiary has now stepped forward and claimed all accounts with the IRS and nothing is construed as abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened the account of Binance.US to buy cryptocurrency on XXXX and deposited {$5000.00} on same date. When depositing {$5000.00}, there was no issue. However, after depositing the amount, the account status was changed to " pending verification '' which remains almost 4 months. Nothing can go forward under pending status. 

I wanted to withdraw the deposited fund but able to transfer because the account is under pending status. I submitted 6 tickets to resolve this issue but answered at all. 

I want to transfer the amount to checking account and cancel this account. No customer service available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our lender is unable to pull our Equifax report. They are expecting us to pay {$16.00} to activate our credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I contacted XXXX requesting refinancing for lower payments * XXXX instructed me to miss 3 payments for enrollment in a program called HAMP * I complied. In month three I was instructed my loan was sold and to await instructions as to on a ) who to make payments to b ) how much payments would be * After approximately 2 months I phoned XXXX, concerned about timely payments, and was told theyd phone and email me once they determined who my new lender was * I continued to save the payments and finally after approximately 3 months they notified me I would receive written notification via mail from Gregory Funding regarding : a ) who to make payments to b ) How much payments would be * Gregory Funding mailed notice to render a single payment which was equal to previous payments ( no refinance ) * I asked about refinance status and was advised I would have to render payments without an interest rate reduction until they reviewed my file * No amortization chart, notice of interest paid etc was received, in spite of my inquiry for over a year. 
* Note : I asked why my On Time mortgage payments were not sent to the credit bureau. They advised they were not required to, which negatively impacted my credit. 
( 1 ) Complaint # 1- Gregory Fundings accounting continues to increase the principal balance on the loan, although payments were made timely. To date, they have added in excess of {$30000.00} to my loan. 

( 2 ) Complaint # 2 Escrow Account Failure to Pay Taxes Gregory Funding has not paid my property taxes for XXXX as of XX/XX/XXXX, which has accrued delinquent fees, although they have funds within the account. 

( 3 ) Complaint # 3 - Gregory Funding renewed my Flood Insurance policy by replacing my name with theirs. I filed a claim for damages and Gregory Funding received payment intended to pay me for damages. I still do not have payment.

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 2019-03-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.

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 2019-03-06
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a current XXXX XXXX customer in good standing. I this bill is for equipment that was sent in error. I mailed this equipment back to XXXX XXXX, they confirmed receipt and in return sent to correct equipment. I have request this matter be cleared and debt removed however I have received the run around with no resolution. I do not owe this debt and I do not have any additional equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. Im very frustrated because it seems all my disputes are being ignored.

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 2019-03-06
Company: Oracle Financial Group LLC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-08
Company: CITIBANK, N.A.
State: CO
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Claim # XXXX Dollars Amount : {$1100.00} Date : XX/XX/2020 No letter being sent out for no reconsideration. So i have made an internal complaint but no respond nor credited me.

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 2021-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
just notified that was unautiorized hard inquiry on my XXXX  credit bureau XXXX XXXX XXXX from XXXX XXXX Bank  XXXX, i already have active account XXXX XXXX Credit Card ending XXXX ) and i didn't apply for any new account so this impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: CITIBANK, N.A.
State: TN
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:
On XX/XX/2019 I made a {$1000.00} payment on my XXXX XXXX XXXX XXXX XXXX XXXX  ( CitiBank ). On XX/XX/2019, I noticed that Citi had charged my account for interest on a purchase made using the card on XX/XX/2019. 

I started a chat session with the company and they said that it was a 'technical issue ' and that they would reverse the interest charges. 

My concern is that I do not trust that there was any technical issue at all. I believe that CitiCard / XXXX XXXX XXXX XXXX XXXX is willfully and knowingly charging their consumers interest - and playing the odds - that we won't notice. It is highly unlikely that their computers would randomly and mistakenly charge interest as a 'technical issue '. 

The amount was minimal, but it was wrong. I should not have to contact the company, wait for 11 minutes on a chat session for a proposed resolution. I should not have to police this company to be sure that they are not taking advantage of me. 

I am awaiting a credit reversal for the interest and will need to watch all future statements to make sure that I am not taken advantage of again. 

My complaint is being filed in an attempt to avoid others, who may be less diligent with their finances, from being taken advantage of and wrongfully being charged interest where no interest is due.

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 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is charging me an astronomical fee for insurance that has lapsed for 11 months in 2018. I can not get insurance with a company due to the fact that the time has already passed. This should be against the law.

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 2019-03-06
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The first time she called, I told her that I needed some time to figure out when I could pay ... I was in the car at the time. I told her that I would call her back the next day, and I completely forgot. 

The second and third times, she was pleasant but getting increasing annoyed that I could not give her an answer. 

The fourth time she called, I was on a business trip out of state and in meetings all day. She was audibly angry that I was " putting her off '' and she hung up on me. She then called my wife. While on the phone with my wife ( after learning that I was in business meetings out of state ) she informed my wife that she would " call me everyday while I was there and maybe I would then respond ''. 

She calls from ( XXXX ) XXXX which my cellular network reports as " Possible Spam ''. Here are the dates and times she has called my cell phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  She called my wife 's phone : XX/XX/2019 @ XXXX XXXX  XX/XX/2019 @ XXXX XXXX  XX/XX/2019 XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.

Company response to consumer: Closed with non-monetary relief