BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
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:
THE BANKS LISTEN BELOW HAVE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. 

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 explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX Have 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 explanation
Consumer complaint received 2023-12-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Closed on new VA Home loan and assumption on XX/XX/2023. Included in my closing docs was a letter stating my mortgage was being transferred to Loan Care LLC and my XX/XX/XXXX payment should be made to them. The problem is that Loan Care had this security / ransomware event and thus, they have no record of my loan. 

In addition, I am a XXXX XXXX XXXX XXXX  and trying to get Escrow fixed due to lack of property taxes in Florida. I cant do anything as they have no record of me. 

I can't pay anything to them because there is no record of the mortgage itself. The originating lender ( XXXXXXXX XXXX  ) has been no help since they transferred the loan to them. All my calls to Loan Care ( after waiting hours ) have been no help as they state to just keep checking back. Loan Care has no email address to send anything to them. Not sure where to go from here but wanted it documented somewhere.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I requested my amortization schedule because it is not accessible on my account online and also requested to pay my escrow shortage of {$620.00} for acct # XXXX. I made the request and payment via phone call on XX/XX/23. My Escrow shortage payment of {$620.00} was paid to BSI on XX/XX/23 by my bank. I again requested online on XX/XX/23, when my account will be updated to reflect the escrow payment of {$620.00} but have not heard anything. The prior mortgage company would immediately update the escrow shortage after payment and I was also able to see it reflected in my account. I was also able to see my amortization schedule online with the prior mortgage company prior to them selling my account to BSI Financial. I am concerned my payments are not being properly applied and would like communication from BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a CD account with Marcus by Goldman Sachs on XX/XX/2023, and asked for the funds to be sent to me via check. 

The check was lost during delivery and I immediately placed a ticket XXXX weeks after I was supposed to receive it. 

XXXX 's resolution was that I needed to wait for the original check to expire before they could send a replacement note. 

When the check expired XX/XX/XXXX, I reached out to verify it will be sent. They said it will take XXXX weeks for a new check to be issued, so I asked for it to be wired to me via XXXX  with an existing external account. They had to open a new Marcus account for me in order to make that transfer. During this time ( XXXX XXXX XXXX ), I called every three days to check on whether the funds will appear back on my dashboard. They responded each time that it will in 2-3 business days. 

Since then, this new account was never funded ( XXXX business days after creation ). I am still waiting for all of my funds which they owe. This money also lost a lot of interest opportunity due to this XXXX month delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 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 accounts.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 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days!

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 2023-02-14
Company: Credit Karma, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Credit karma/ the bank they use for their bank account and debit cards refused to increase my daily spending limit despite funds being in the account so I requested to close the account immediately and transfer the funds to my bank account on file. I was told I couldnt speak to anyone on the phone to close the account and had to email. Ive emailed and now am being told that I will get a response on my request to close account but they have yet to respond to my continued emails and calls demanding my account be closed and money from the account-be sent. They are holding my money XXXX and I cant withdraw, transfer money or even cancel my account. I feel they are predatory in nature as they basically forced me to sign up an account when filing my taxes with XXXX. How can I live if I cant use my own money. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However these are reporting when I have the right to these laws. And didn't authorize the them to furnish on my account. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-12-12
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed a Certified Debt Validation Letter to Spring Oaks Capital via the United States Postal Service, and it was delivered on XX/XX/2023. I received a response from Spring Oaks Capital LLC on XX/XX/2023. However, the information I received was invalid, as I had requested the following details : To whom do you think I owe this debt, and what amount do you claim I owe? I will need the name, address, and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address, and account number for the original creditor, the amount owed, and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date of the last payment. 

Provide me with a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and the amount paid for each item. 

Does your agency have a debt collection license in Illinois? If so, please provide the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

However, I only received a billing statement, which is not proper validation for a debt validation letter. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX, and it was delivered on XX/XX/XXXX, giving Spring Oaks Capital LLC 15 more days to validate the debt. However, we are now past the 15-day mark with no response from Spring Oaks Capital . Despite several attempts to validate this debt, I have not received any communication, and this unknown debt remains on my credit report, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries 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 explanation
Consumer complaint received 2023-11-16
Company: Chime Financial Inc
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX through XX/XX/2023 I was charged approximately {$430.00} in charges I did not make her authorized via XXXX XXXX from my debit card through time first transaction 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 The dispute case number with XXXX XXXX XXXX XXXXXXXX They're stating that there was no error and that they were not reverse the charges even with a police report sent to them about the charges being broken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report 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 explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.

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 2023-12-13
Company: TD BANK US HOLDING COMPANY
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 am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, this charge-off account shows a {$580.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA XXXX on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX  me and my family received our refund of {$14000.00}. XXXX XXXX  through XXXX XXXX  me and my family did a little shopping for the XXXX we also paid a bill much needed, the bill paid didnt post right away because it usually takes about 3 days to post or for the bank to pull the money from the account. When XX/XX/XXXX came I was restricted from my account and my funds was frozen. This was ver disappointing and stressful. Email after email I sent. Call after call and each time I was given no further information or explanation to whats going on with my account or my families money.I continue to get more emails speaking of my case being escalated and further restrictions until the finally permanently deactivated my account. I sent all the information that was asked for immediately. Inside my emails I explained time and time again that the funds deposited to my account where my families, we where using the funds how we seen fit during the days of the so called suspicious activity, I also explained that my remaining balance should be sent to me or free up for transfer out of there account.upon further research me and my wife has found that this is an normal move for venmo, we found that a huge percentage of people have and are taking law action against the venmo co for these same actions. As soon as a user receives a huge or good enough deposit or transfer Venmo restricts them and freezes their account, with no actual true reason just using false information and holding on and stealing peoples money. They send you through a 180 day wait in case of theft prevention and when the 180 days are up, no one ever gets their funds back.This isnt fair, its theft and it seems like an pyramid scheme of some sort right before the holidays. I spoke to council and was told to put in my claim here first. My remaining balance is over {$8000.00}

Company response to consumer: Closed with explanation