BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously ask for a investigation into my credit file because there are account that are not reporting XXXX XXXX please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.

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 2022-09-19
Company: Castle Mortgage Corporation dba Excelerate Capital
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bought a house and financed through Excelerate Capital. Right after the loan closed escrow and before the first payment was due on XX/XX/2022 Excelerate Capital sold the loan to XXXX XXXX. I had my payments set on auto pay from my business checking account with XXXX XXXX. XX/XX/XXXX comes Excelerate Capital debits my account for the payment in the amount of {$14000.00}. A week later XXXX XXXX calls and says I didn't make a payment and that they had bought the loan! I stated I had made a payment and my loan was on auto pay. They replied OH your on auto pay ok we'll take care of it. Then on XX/XX/XXXX XXXX XXXX debits my account for the same XXXX payment of {$14000.00}. I've contacted both finance companies and now they are both playing the game that I should contact the other finance company. Neither take responsibility. I want my money back plus XXXX XXXX interest like they charge me on the loan. Now they don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

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 2022-11-28
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am on XXXX and social security only and was garnished from my checking account money that had been gifted me to pay rent in the amount of XXXX and now they are trying to do this again. I called and checked on the debts they were garnishing for and was told I had a XXXX balance. When I called and talked to the attorney 's office, they said they were collecting for interest and fees over the past 4 plus years owed just to them, even though the debt was paid off. They did not care if I was not employed and on XXXX or social security. They are now threatening to do this to me and again I found out the debts were at a XXXX balance, and I had paid them off. One being a medical bill to XXXX XXXX for XXXX account number XXXX dated XX/XX/XXXX in the amount of XXXX. Attorney Edwin B Parry is now charging XXXX in interest and XXXX in interest. bring the total to XXXX. XXXX The other is XXXX XXXX acct # XXXX the amount of XXXX as of XX/XX/XXXX. I was told by XXXX this debt was paid off by a security deposit and at a XXXX balance. I am now being charged interest on this as well bringing the total to XXXX. 
When I try to discuss this with Attorney XXXX XXXX office, they are rude, and basically call me a liar and low life, one particular man by the name of XXXX repeatedly hung up on me and would not let me even talk.and then blocked my number so I could not get through to the office. This is the office in which I feel I was harassed and garnished. 

The Law Office of Edwin B. Parry XXXX XXXX XXXX XXXX Utah XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am submitting this complaint because XXXX XXXX XXXX failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

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 2022-08-17
Company: EQUIFAX, INC.
State: CA
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:
The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, XXXX XXXX and equfax the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NM
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX 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 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 2023-11-08
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PNC Bank issued the loan for my new XXXX  vehicle and since the inception of this loan, they have consistently FAILED to provide the monthly statement/payment forms in a timely manner. With my monthly payment due onthe XXXX ofthe month, PNC typically mails these AFTER the XXXX of the month- meaning I do not recieve their statement until about the XXXX to the XXXX of the month which makes it difficult/sometimes impossible to sent the payment in time to meet the monthly due date of the XXXX!!!!! I've spoken with them on several occasions about this to no avail. My concern is that THEIR TARDINESS results in my payments being " overdue '' and late, with the subsequent negative reporting to the Credit Reporting Organizations! My understanding is that there is a REQUIREMENT for the lender to provide the billing statement so that I RECEIVE it a minimum of 10 days prior to the due date. PNC Bank has NEVER EVEN COME CLOSE TO THIS! They barely even mail it out 10 days prior to the due date, thus putting my credit rating is at risk due to THEIR DELENQUENCY!!!!!! Can you HELP??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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: 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. 
Agency : Experian Account name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-11-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordancewith 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 XXXXXXXX... 
XXXX XXXX XXXX XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: ALLY FINANCIAL INC.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at Ally bank on XX/XX/2022, under the premise that it was an online bank, does not have a physical presence in my state, and would be receiving my debit card in the mail after my first direct deposit. I selected the debit card option during the sign up process. After selecting this option, the website displayed a message that informed me that the card would arrive within 5 business days of my first direct deposit. My first direct deposit of {$490.00} posted to the account on XX/XX/2022. By XX/XX/2022 I still had not received my debit card, and still had no access to my funds, so I contacted customer service through their mobile app. I was connected with an associate who identified themselves as " XXXX from Florida ''. When I explained the situation, they told me that the debit card had not been ordered during the sign-up process. I informed them that I absolutely selected the debit card option during sign-up, and that the mistake must be on their end. She informed me that I would have to order a card manually, which could take another 10 days to arrive, and they would not expedite it without charging me a {$15.00} fee.

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 2022-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been trying for over a year to get Capital One to work with me. I have XXXX accounts that I am trying to pay off. We were forced to move in the middle of XXXX from XXXX XXXX California  to XXXX XXXX California. We did not have jobs and were forced to use our credit cards to survive. 
I have been able to work with my other creditors and pay them off. I have asked Capital One if they can merge the XXXX accounts so that I have XXXX payment... they refuse. 
I have asked if they can lower my interest rate? They refuse. 
I am not trying to get out of paying my debt, but I would really like some help. 
I have a balance of {$4900.00} on XXXX account and a balance of {$5900.00} on the other. If they wont work with me, I will never get these accounts paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi I need your help. Last week Citibank closed my bank account without any notice and I have XXXX in that account. When I went in person to my local branch manager I spoke with XXXX XXXX and he told me that he is not sure where the money is. It may have been mailed. I have not received a check and have no funds to pay my bills or live off. Please help me get my money back from Citibank! This is absolutely outrageous I am a XXXX  and almost had a XXXX XXXX at work.

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 2020-04-16
Company: EQUIFAX, INC.
State: WV
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:
Lenders can not access equifax report and score. Tried contacting equifax to fix problem but they insist that there is no freeze or block on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy.

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

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