BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: SC
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:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NY
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-31
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had sent a zelle transaction through my US Bank banking app. The receiver is someone who is a regular verified recipient and they never received funds. I've filed several disputes, bank has promised provisional credit after 10 days of investigation. 3 investigations have been closed with no resolution and no funds have not been deposited on either end. They have no real answer for what happened, just a technical error. But US bank will not make it right. They clearly see the funds were taken from my account, never deposited and not in the zelle warehouse. It's been since XX/XX/XXXX since I've been dealing with US bank to figure out what happened and to make it right.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: AR
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:
Experian is reporting inaccurate information on my credit report. I have supplied Experian with all the paperwork which states that US Bankruptcy court does not report to any Agencies about Bankruptcy. I also have a statement from XXXX XXXX where the bankruptcy has been removed. Experian sent me a letter stating that the bankruptcy was verified as accurate. I would like to know how was it verified. In the attachments I will provide you of the following. US bankruptcy statement, XXXX XXXX statement, My drivers License, Social SSN, and statement of experian saying it was verified. Experian is violating my consumer rights and they are falsely keeping this on my credit report without verifiable proof. Please Remove Immediately

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 2021-02-20
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Online Information Services, a debt collection agency, is trying to collect a disputed debt which I have a written letter for same. The original debt was for doctor consult while I was in the hospital getting emergency XXXX. I have on 5 occasions sent the correct billing information and called XXXX XXXXXXXX XXXX XXXX a/k/a XXXX XXXX with the correct insurance information and they have never submitted it to the insurance company, XXXX XXXX XXXX XXXX, Nevada. The debt collection agency refuses to cease collection activity. This is against FDCPA regulations because this is a " disputed '' debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX CREDIT 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 XXXX : 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 explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Bank of America >Presence of a recent inquiry on credit report >Balance on revolving trades >Current or past delinquency, derogatory public records and/or collection accounts >Number of days between inquiries The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Bank of America has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Bank of America Underwriter on XX/XX/2023 to correct these errors.

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 2022-01-18
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received invoices or bills for this debt so I believe it may not be mine. I mailed the debt collector a letter of validation request on XX/XX/2021, however I was not responded back to. The letter included a request for validation and a 30 day time period for validation and that was not met. The account being disputed is says there is a charge of {$760.00} but as I said before I never received the requested validation or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage, a.k.a. Mr. Cooper has failed to provide it's customers with service. I have repeatedly tried to reach them by phone, to speak with a human being, about the required steps to process an insurance claim check which I recently received. Nationstar is listed as a co-payee and I must coordinate their endorsement to be able to deposit the funds for repair of my home. 

Multiple phone # 's have been used to reach them with no human contact available. This is deplorable customer service. I have had my mortgage with them for a couple of years now and never been late on rendering consideration to them. Perhaps if I withhold my payment, a real human being will call me, at which time I can address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: SC
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:
This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them 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 2021-02-01
Company: BROKER SOLUTIONS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We applied for a loan with New American. We were applying for best rates with a refinance. On XXXX with an application, but no loan agreement signed- New American Paid off my mortgage with XXXX XXXX. I was not aware they paid it off, as I had NOT finalized any paperwork because I was still gathering other quotes from other companies. My monthly XXXX XXXX payment was returned, when I called on XX/XX/2020-they told me I no longer had a mortgage with XXXX XXXX. I asked them who had paid it off-and they informed me that New American had paid it in full. I called New American and asked the Loan Officer why they paid it off-with NO SIGNED AGREEMENT-they did not have the best rates. They avoided my calls- and two days later said they were working to return the ACH payment. They did get it reversed, and now my payment/and auto pay were not on anymore with XXXX XXXX. I have always maintained a credit score of over 820. I later received check # XXXX dated XX/XX/20 amount of {$160.00} from New American. I repeatedly called to ask what this check was for- and if I should cash it. I deposited the check and it bounced. Yesterday, I received notice that my XXXX SCORE plummeted 166 points because of a letter my mortgage company sent stating my mortgage was paid in full/then they removed the letter and if adversely affected my score. I do need a mortgage within one year and my score is now much LOWER which will inadvertently my ability to receive a competitive mortgage rate. I am contacting them now-as they would NOT return my calls-nor answer my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Chime Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XX/XX/2023, I sent {$300.00} to my brother XXXX XXXX, for assistance and for some family problems. As usual, Sendwave was supposed to send in the One Time Password ( OTP ) through text message to the receiver, however, the message never came. So, I directed receiver to go to the bank, but the bank refused payment, as they could not generate the needed OTP, which was supposed to be provided by Sendwave. Receiver went to bank, spending so much money on transportation, on3 separate occasions, all to no avail.

I sent several emails to sendwave, through all the available emails they have on the internet, on two occasions they promised to get back, but till today, the XXXX of XXXX, I have not heard back from them. This has been a very difficult moment for my family way back in XXXX, that depende so much on this cash for survival. 

I have also requested for a refund, but sendwave have refused to reply to my messages, and this is making me to even start thinking it to be a fraud. yet no repl

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Some one stole my debit card and atm n stole money i informed wells fargo n they end up putting my account in the negative after they gave me a temporary credit for purchases i didnt do. They also closed my account after fraudulent account been going on.

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 2023-04-12
Company: Conn's, Inc.
State: TX
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:
It's been over 30 days and the creditor has not updated any information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. 

Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ACIMA CREDIT, LLC
State: MD
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:
My account with Acima has been paid off since XXXX of 2021, yet the have not updated the reporting since XXXX. It is now XX/XX/XXXX. It is still showing I owe XXXX dollars which I don't and my payoff amount was {$880.00} which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I entered into a financing contract in XXXX for a Honda Civic XXXX at {$470.00} a month with a % XXXX interest rate. In XXXX I inquired with American Honda about refinancing my original contract because my monthly note and interest rate was too high. American Honda finance was unwilling to work with my request. XXXX XXXX after falling behind payments, my car was repossessed with an unregulated GPS tracking system used by American Honda finance. I contacted my local congressman 's office about subprime lending and predatory lending issues I experienced with American Honda finance and received no help from congressman 's office. Recently, my car was sold at {$10.00}, XXXX in a private sale because I was unable to acquire a secure loan for {$17000.00} to retrieve my car from American Honda repossession lot. After the sale of the car, I now have a car deficiency of {$6900.00}. I am a victim of predatory and discriminatory lending committed by American Honda finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota motor financing reported my XXXX payment late however I paid it on the XXXX day so reporting it 30 days late is inaccurate I spoke with the company the customer service rep was unable to see the full account on her screen she transferred me to the resolutions department to be told the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter in the mail saying I owed {$13000.00} to account # XXXX XXXX XXXX XXXX. This is not true. I was up to date with my rent. The landlord there gave us a 3 day put out now i am XXXX with both knees XXXX on XXXX my husband is XXXX with XXXX, we never received anything to go to court. We lost more than half our belongings because they locked the door and would not let us back in.I was unable to get any my kitchen things, had to leave our washer and driver, my husbands tools No bedroom furniture a lot was left and we were unable to get it. We were unlawfully put out and we lived there 8 years and this happened [

Company response to consumer: Closed with explanation