BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MN
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:
fruad this company has committied fraud the result personal gain with out my permission my info on there platform is fraud.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
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 the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2018-03-27
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: FMS Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested proof of validation on several occasions from this company. I have called FMS and they stated they no longer have this account and could not locate my information. Account is still on my credit report from this company and After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. They failed to send me the requested proof and stated that they are not in charge of this account. I have no contract with this company so therefore I want this account closed and removed from my credit report. This account is under a law firm and payment arrangements are made, not with FMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen and two credit cards and a security system was placed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: OR
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/2017, I was spoke to XXXX XXXX in XXXX, Oregon about purchasing a used vehicle. I am XXXX as a XXXX XXXX who does XXXX XXXX XXXX, and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by XXXX  and Equifax that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: DC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
Back on XX/XX/2018 two fraudulant charges where placed under my XXXX account 1 ) {$330.00} 2 ) {$370.00} For items i never purchased, received or have proof of even ordering. 
XXXX is claiming that because it was done online and have since closed my online accounts ( to prevent further theft ) they have no history of anything and that I must have made the purchases bc there is no way to check. 
My bank HSBC will not refund me the money because XXXX is saying that i have made previous purchases so therefore, i pre-authorized any charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Investigation took more than 30 days

Complaint:
My auto insurance paid off the vehicle. And XXXX does not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: TN
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 disputed information on my credit report and Equifax is not investigating properly. XXXX XXXX found the information to be inaccurate and removed it from my report. Equifax refuses to remove it even though i have mailed the paperwork and provided any information they needed. They said the information is correct. The call center is full of rude employees who do not want to help you solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
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 is missing that should be on the report

Complaint:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of Castle credit account # XXXX is not been reported with XXXX and XXXX  as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All Castle Credit has to do is communicate with XXXX and XXXX  and add my Tradeline with them. 
Castle Credit Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX  and XXXX Lifetime and a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is 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 2020-07-24
Company: Paypal Holdings, Inc
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PayPal has closed my account and is holding my money for $ 180 days. ( 6 months )! 
They said they are holding it due to if someone wants a refund. I have a personal account not a business account. The only money put in my account was from unemployment. Which I really really need. 
I've tried every Avenue I can think and I still am not able to withdraw my funds. 
I just want to send my money to the prepaid service I use now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by XXXX and even lesser with Experian. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly  evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.

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 2022-08-10
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We signed a one time close construction-perm loan with Fulton Bank in XXXX XXXX XXXX VA in XX/XX/2021. Our builder requested draws and the bank paid correctly. The first few months we received statements. In the past 6-9 months we have not received statements. We have contacted XXXX XXXX and XXXX XXXX multiple times by email. They have refused to send statements. We are supposed to pay interest only payments monthly. I have simply guessed at the amount but don't know how it is being applied. I have asked for a statement showing how my payments are being applied but this has also been ignored by XXXX and XXXX. We closed and moved into our home 2 months ago and still have been able to finalize with the bank. The bank keeps saying " next week ''.

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 2018-07-07
Company: General Information Services, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I ' XXXX XXXX XXXX in Statement Say.. I am a Victim of Identity Theft. 

Explaining and Stating ' that Identity Theft Victims have additional Rights ' as States ', Local Consumer Protection Agencies, as well as ' the State Attorney Generals Office may enforce ' their own State Laws ' and Federal Rights Laws ' of Consumer Reporting. 

Compliant ' In ' the Request for the Removal of Background Information upon ' XXXX XXXX XXXX  Investigation of Inaccurate Information of Identity Theft since ' XX/XX/XXXX. 

Type of Problem ' as the CFPB brought Data Issues of concerns of Identity Theft for Investigation to my attention in XXXX. 

What Happened ' was Cause for an FTC Affidavit that was submitted to a number of Speciality Reporting Agencies regarding the Inaccurate Information in the continuing concerns of ( ID Theft ) since ' XX/XX/XXXX. 

What Company ' XXXX XXXX XXXX XXXX ( Phased-Out ) Who is Involved ' XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. 
I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. 
I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. 
Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX Truck, VIN XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX. I also purchased GAP for {$890.00} and the extended warranty for {$2800.00} as offered to me by XXXX XXXX ; both through XXXX. The payoff amount for the XXXX XXXX was {$5300.00} to XXXX. XXXX XXXX offered financing through Ally Financial. I accepted this offer. My Ally Financial loan number is XXXX To date, XXXX XXXX has not paid off my trade in ; nor has XXXX  received payment for my GAP or the extended warranty. Because I value my good credit, I am continuing to make payments to both XXXX and Ally Financial. I have attempted to get this resolved with XXXX XXXX XXXX XXXX XXXX on many occasions and the General Manager, XXXX XXXX, continues to give me the run around. I have also spoken to Ally on numerous occasions and they claim there is nothing they can do for me. After researching this dealership ( owned by XXXX XXXX XXXX XXXX ) and its relationship with Ally Financial, Ally Financial is knowingly and maliciously financing XXXX 's scam of not paying off trade-ins and not paying the GAP companies. I have attached all of my documentation, news stories of the scam as well as a pending lawsuit involving this exact same situation and as Ally Financial as a defendant. This scam has been going on for several months and Ally was fully aware. I am needing resolution to this situation ASAP and no one is helping me. 


Ally Financial XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, General Manager XXXX XXXX XXXX XXXX, scammer XXXX XXXX XXXX XXXX XXXX, XXXX owner, scammer 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 monetary relief
Consumer complaint received 2021-07-06
Company: Paypal Holdings, Inc
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:
PayPal took money out if my checking account without authorization. I chose PayPal credit as my funding source for a transaction, they informed me immediately that it was approved ; however, 2 days later the money was removed from my checking account without authorization. 
In the past, I have been informed that PayPal credit isn't available and to chose a 2nd funding source, in this case, PayPal took it upon themselves to remove the money from my bank, unauthorized and they refuse to correct the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have NO idea who these conniving derelicts are at microbuilt, 1st most obvious, I do not owe any scumbag slumlord money, I lost in XXXX, ca court room by a corrupt biased XXXX judge, this slumlord had 12 active code violations when he got a manipulator and filed a retaliatory eviction, 4 years later this scumbag hired these derelicts to harass and scam my bank account? These conniving derelicts never had my permission for any intrusive inquiry into my credit file, really enraging is how idiotic XXXX  is with this cryptic con game, NOW XXXX  has put me on long wait times and idiotic phone games

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill on XX/XX/2019 for the amount of XXXX cents from a debt collection company called " Convergent Outsourcing, INC. '' I am not aware of any charges that I owe. XXXX states the creditor is " XXXX XXXX '' I tried calling the company to dispute this, but it asked me to enter the last XXXX digits of my social security. I hung up because it sounded sketchy.

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