BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-28
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 fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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 non-monetary relief
Consumer complaint received 2022-09-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent out letters to all XXXX credit bureaus for the unrecognized inquiries and inaccurate informations.

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 2022-04-25
Company: Self Financial Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The company which is self financial inc/XXXX XXXX  gave someone a loan in my name and they failed to give me any info 2 weeks ago when I called when there was still XXXX dollars owed and now all the sudden not even 2 weeks later I get a new report and the loan was paid off in good standing from collateral!! I wish to know how if they didn't know the individual responsible. Who did they go after supposedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was informed of the recent {$3.00} XXXX dollar settlement of CFPB Vs Wells Fargo bank. Wells Fargo bank was supposed to send all financial obligations to those who had an account with them from XXXX. I have had a Wells Fargo account since XXXX and continue to have an account in XXXX. I received no email notification, no letters, and no checks regarding this settlement case. 

Is there any way my case can be reviewed to ensure that I do qualify for a portion of the {$3.00} XXXX dollar settlement?

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 2022-06-07
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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 fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I have filed a credit card dispute with Citi bank on XX/XX/XXXX. They told me they are doing investigation.. and the investigation should be complete within 2-60 days. It has been over 60 days and when i call they now tell me its still open and under investigation. This time they are not giving me a time frame. 

In addition to that they closed both of my credit card account 80 days into the investigation.

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 2022-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They say I opened an account on XX/XX/2021 with a balance of {$7100.00}, but I I have never signed any contracts or documents opening anything I would like to see the full contract saying I opened this with them and a full un-redacted purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Louisiana Recovery Services Inc.
State: LA
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:
XX/XX/ reached out to Louisiana Recovery Services to remove an account that was included in a bankruptcy as it is being reported on my credit report incorrectly and it is causing problems with reducing my score. They will not remove the account off of my report as I do not owe Louisiana Recovery Services. XXXX XXXX was the original creditor and the account was resolved with a Bankruptcy.

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 2023-01-12
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney.

My money was wired from my XXXX XXXX XXXXXXXX checking account. The receiving bank is Truist Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. 

I know my money is frozen at Truist Bank, but neither bank will cooperate in returning my money. Truist is holding my money XXXX and XXXX XXXX  XXXX continues to XXXX to me every time I call.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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 non-monetary relief
Consumer complaint received 2022-04-25
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. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 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 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # XXXX XXXX  XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-28
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Am having a problem with Nelnet. On many occasions have attempted to re-certify my IDR status and have been met with the same looping patterns with them as disclosed in the attached email to them. 

Basic problem : the Nelnet call agent offers solution, but doesnt deliver and redirects to a website, the website dosnt work ( see screenshot of malfunctioning website after all input has been completed ). In this most recent call a form was requested to be emailed, filled out and returned, due to the problems with the website. In the promised email, no promised XXXX XXXX, I am only directed to a website, that is malfunctioning, the reason I called. The websites dont actually work, which forces me to call them, where they say they fixed the issue with my account, or will send me something to fill out, but issues are not fixed and only send link to the same problematic websites. 

Seems like they have some incentive to make problems for their customers? What could this be? 

Can you please switch me to other loan service providers? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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'm filing a complaint to let Experian know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/XXXX Experian received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Experian has caused me, and their continual violation of my rights! Experian also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letters I've sent to Experian to try and rectify the situation, you can clearly see they have been violating my rights for months, and that stops now. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! 

Also filing complaints with Attorney Generals Office, & XXXX. 

We also have the name of the person who signed for it on the day it was delivered. So you can guys will be held liable. 

Tracking # : 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: FL
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:
I'm trying to get this fraudulent accounts from my credit report they are not mines. The bureraus is reporting inaccurately. they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UPON CHECKING MY CREDIT REPORT, I NOTICED THERE IS AN COLLECTION FOR XXXX XXXX XXXX XXXX. THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: FL
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:
I'm trying to get this fraudulent accounts from my credit report they are not mines. The bureraus is reporting inaccurately. they are not mine

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 2022-11-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased Home XXXX XXXX Month Later Rushmore Purchased loan. 
Began payments XX/XX/XXXX with compounded taxes and insurance as usual. 
10 months later after paying for insurance tried to make a claim for a burglary. 
Contacted Rushmore XX/XX/XXXX to confirm Insurance policy # they had on file. 
After confirming contacted XXXX and found out that Rushmore had the wrong policy number on file and that the correct policy number was canceled in XX/XX/XXXX. This is Negligence. 
I got an email from an XXXX agent confirming I had insurance in XX/XX/XXXX covering XXXX. 
Contacted XXXX  to correct the issue and was ignored for weeks. Have emails and left phone messages and got no response or resolution. 
Then XXXX XXXX hit and she still did nothing to help before. Heard from her after. 
Now I have 2 claims that I don't have insurance coverage for that I thought I did. This is Fraud. 
XXXX told me I had to get forced insurance through Mortgage and 2.5 times as much to cover. 
Was misled in emails that this insurance would cover both claims. Added to the agreement that I was not at error or responsible and only agreed to the waiver if I received the same coverage and cost I agreed to and was fraudulently paying for. 
After 3 weeks I got a call saying the insurance doesn't cover the Burglary. Complete deception. 
Now they are acting like this was my fault and ignoring me. 
I am not responsible for this problem but am being punished for it. 
I demand that I get the insurance coverage that was contracted for. 
This is negligence and fraud on behalf of both the XXXX broker and the Mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX. date : XX/XX/XXXX XXXX XXXX XXXX XXXX  ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date 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 2022-06-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My mom filed a complaint yesterday but the payoff request is in my name. 
Refinanced my joint car loan from Financial to XXXX  XXXX XXXX XXXX. Purpose lower rate and remove my mom from the loan around XXXXThe payoff letter was sent to the credit union with Mazda Financials ' address. The credit union sent it to Toyota Financial in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The check cleared the credit Union on XX/XX/2022. The reason why XXXX sent the payoff to Toyota is because my purchase paperwork stated Toyota was the Lienholder. My mom called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't locate the check where it went. It was negotiated through XXXX. My mom called Mazda Financial on XX/XX/2022. Mazda Financial opened a case, I was warned that this may not work, but they will try and get the funds transferred over. As of today no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Stern Recovery Services, Inc.
State: NC
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:
Company contacted me repeatedly. Never left a message. When curiosity got best of me I called the company. They stated an attempt to collect a medical debt I was unaware of at that time. I contacted the medical provider, there was {$1000.00} plus discrepancy in the amount owed. I then called XXXX back asking for written proof of their legitimacy. I was told it wasn't required and they would report a failure to pay on my credit report.

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 2022-06-07
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am the executor for my Mom 's estate, prior to her death in XXXX I had PNC add my name as POA to her accounts ( they accepted documenation ). Earlier this year I opened an estate account ( they accepted documentation ). Went on XX/XX/XXXX to get a 12 month mortgage history and a payoff of her Home Equity loan since we are selling the home. PNC back office requested the same paperwork used to open the estate checking account ( which branch had in their file still ), branch personal faxed those papers ( have fax confirm ). They said it was a XXXX day process, on XX/XX/XXXX I received a letter from PNC dated XX/XX/XXXX that they needed they some of the same docuemntation which was successfully faxed to them on XX/XX/XXXX by PNC branch personnel. I have since managed to document the past 12 month payment history on my own, all I need is a payoff of the Home Equity so I can sell her home from her estate. I have been in various XXXX XXXX XXXX XXXX since XXXX, my Mom and I have had accounts at PNC for over 25 years. The branch had all the needed paperwork in their pocession since estate account was opened. It takes XXXX seconds to provide a payoff statement. I am embarrassed that a bank can be so messed up and not trust their own branch personnel to handle a simple payoff request. ( branch had all requested docs and they processed fax )

Company response to consumer: Closed with explanation