BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
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:
I have disputed an account being reported on my credit report and it has reached it max time aloud according to The Fair Credit and Reporting Act.

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 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I 've done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted XXXX letters to the credit bureaus XXXX XXXX, equifax, and XXXX ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Coastal Credit, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Seterus, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.

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 2017-08-22
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yesterday XX/XX/2022 I was scammed {$350.00}. I was trying to but a ticket for a concert. I texted this person on XXXX  because they had some available. They sent me pictures and a video so I paid. I never received the ticket. I asked for a refund but never got a response. Their name is XXXX XXXX. Their XXXX  handle is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sir A review of my account history was information based on previously biased credit reports that states inaccurately the reason for a delinquency within my account. The bank reporting indicated that my mortgage payment was not paid, after the XXXX of my spouse. The account was enrolled in an automatic capacity at the time of her passing. The bank independently canceled these payment to my montage resulting in delinquencies. I argued that I had not been notified by the bank before taking the above action, which was created on XXXX 2015, and damaged my credit rating.

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 2017-08-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Care Credit which has limits as to what it can be used for. A common use is health cost like dental or medical costs for a pet. During New Years weekend I lost two pets in three days. In order to help me three of the charges where put on no interest deferred promotion for 6 months. Upon the near expiration I sent a electronic Balance Transfer through my account with XXXX XXXX for the remaining total of the promotional balance. I had contacted Care Credit and talked to one of their cutomer service Representatives and explained what I was going to do. Initially I was planning to just transfer balance from one account to the other but the Care Credit agent said they could not do that. So I contacted XXXX XXXX representative and explained what I wanted to do for what amount. He then set in motion to send electronically to Care Credit the balance transfer. This was all accomplished on the date that the promotional period was to expire. I then received notice from XXXX XXXX that the balance transfer was received by Care Credit. However, Care Credit took their time processing the balance transfer for several days and then I was slapped with all the back interest from the promotional program to the tune of {$430.00} at 26.99 %. The whole point of the balance transfer was to avoid the promotional period interest at the very high interest rate. It was bad enough losing two special pets but now I am being insulted with the huge interest charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Netspend Corporation
State: AR
Product: Credit card or 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:
There were two unauthorized transaction at two different XXXX that I did not make or authorize in the amount of XXXX total transaction my tax return money was direct deposit onto NetSpend XXXX XXXX prepaid debit card. And the money was withdrawn off the card. I filed a dispute on XXXX XXXX, 2017 with NetSpend to credit me my money back to my account.They have yet to honor my dispute. The reason being 60 days late reporting the unauthorize transaction.

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 2022-07-05
Company: Experian Information Solutions 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:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount XXXX Date opened XX/XX/2015 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 2022-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXXXXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

SANTANDER CONSUMER USA XXXX Balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to EXPERIAN but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 

EXPERIAN has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.

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 2021-08-23
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX # XXXX XXXX and XXXX has corrected this account information and Equifax has not. Please correct the balance of the account to XXXX ... I have been trying to correct the same issue for 2 months. WHY???? 

There is no investigaiton happening wtih this account and Equifax will held liable as they interferring with my ability to purchase a house. You held resposible for ALL DAMAGES and legal fees if this is not corrected ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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:
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 - Loan sold to Newrez LLC XXXX # XXXX XX/XX/2022 - Husband and I set up automatic payments XX/XX/2022 - XXXX Automatic Payment did not come out ( we have confirmation email ), we realized husband 's name was not added to Newrez account even though all loan documents signed at title agency were signed by each of us and his name is recorded XX/XX/2022 - Paid one time payment. Set up auto-pay AGAIN ( we have a XXXX confirmation email ) per Newrez directions. We were told husbands name would be added to the account and that Newrez did in fact have the documentation to prove his name should be on the loan XX/XX/2022 - XXXX Automatic Payment did not come out again ( we have a confirmation email ), we realized husband 's name was AGAIN not added to Newrez account XX/XX/2022 - Called Newrez again. They're saying the bank account number for automatic payments couldn't be located and that's why they haven't taken them. Paid one time payment with the account they said couldn't be located. 

There is a problem with their payment system as every time we made a one-time payment, the same bank account number they " can not locate '' is the one we've paid with. I am wondering how many other VA home loan borrower 's have been affected by this and have been charged fees/marked delinquent/have taken credit hits because Newrez will not fix their system. We have an email trail of payment set-ups and modifications from when we have talked to customer service that is attached below. 

In addition to a faulty payment system, they also have poor recording and documentation practices. My husband 's name has yet to be added to a loan for which he is a co-borrower, and none of our payments or the fact we have a home loan has showed up as being reported to either of our credit. 

This feels a lot like breach of contract at best, and fraud at worst. Something isn't right and VA home loans should NOT be allowed to be serviced by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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 Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

n accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), 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