BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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, 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 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 explanation
Consumer complaint received 2022-08-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Was looking at my XXXX credit report and found a credit card had been opened using my SSAN. The account was with Macys XXXX and opened on XXXX XX/XX/2022. I called the card company on XX/XX/XXXXand was transferred to the fraud department who took my information and provided the following Case ID number. 

XXXX XXXX. 

The address on the Macys XXXX account was listed as XXXX CA. I live in XXXX XXXX and know no persons living in XXXX. The Citbank company rep told me that this fraudulent account would be closed and that documentation of this would be sent to my email account. 

I also contacted XXXX to dispute the card account. XXXX put a fraud alert on my account.

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 2017-04-18
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with loancare.     They purchased my loan   XXXX   XXXX   XXXX   XXXX   My first payment was due   XXXX   XXXX   XXXX  . Which I made.     My original bank had auto-drafts set up to go to the old loan servicing company,  XXXX .     In  XXXX , an auto payment check was sent to  XXXX . They tried to cash the check and it came back returned. Mind you, they no longer own the mortgage. They turned around on   XXXX   and told  Loan Care I  had a returned check to their company.  Loan Care  too k one  of my payments, I had made to them, and sent it to  XXXX . Now,  Loancare  shows me as being behind a payment. I have argued with loancare over this matter, for 6 months. On  XXXX   XXXX   XXXX , I spoke with  XXXX   XXXX  out of the  XXXX  Florida office for loan care who after extensive research, that I had provided, agreed, that  XXXX  had received a payment that they were not entitled to receive.  XXXX   XXXX  at that point said she would get the matter resolved.      One  month later I called, and LoanCare tells me that the problem is between me and  XXXX  since I was the borrower. If I wanted to be credited I had to contact them myself and get this mess sorted out.     I asked loan care if they were reporting me as being delinquent on my mortgage and  XXXX  from  LoanCare  said, no, I have you good. My wife and I were going to get a car, and when the car dealership ran my credit report, Transunion showed me with  XXXX  negative comments from  Loancare  concerning my mortage.   XXXX   XXXX      XXXX   XXXX   and   XXXX   XXXX   XXXX       I submitted a ticket to have that information removed from my credit report on  XXXX    XXXX   XXXX  . I received an email confirmation that my request had been received and to allow up to  XXXX  business days to research and resolve the matter. Today is  XXXX    XXXX   XXXX    LoanCare ha s not resolved this issue, nor given me a decision, nor removed the derogatory remark from 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 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX I tried to call XXXX to fix an order. The people said the XXXX account has been compromised. They had me use XXXX to transfer XXXX XXXX They said the money would not come out. I was scammed. They bought XXXX XXXX cards and also too money from my XXXX account. Bank of has refused to give me the money back. I have made a Sherriff report and also reported to the FBI. I have made multiple calls and gone into the bank many times. I just get letters stating that I sent the money and need to get it back from whoever I sent it to. They also had me get an App called my desk and sign up for Crypto currency through moon. I read about scams and Regulation E. Can you please help me? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
enterprise has opened an account on my credit of {$490.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: FL
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 sent in my check for my mortgage payment in XX/XX/2021. There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-28
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX  had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''

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 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
Equifax Validate the accounXXXX XXXX XXXX XXXX  As Per my written request { BY LAW } As you verified the account that was Fraud because only the consumer can verify, you are also reporting that XXXX XXXX XXXX is the consumer false I am my SSI card number was used on the account that make myself the consumer it law XXXX XXXX XXXX is Debtor, Also I request in my dispute that I want the original contract { not a Copy } because that would be fraud also. enclosed is my request in writing that by law you have to follow completely as stated or I will be force to seek legal claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
My personal credit card ( ending XXXX ) with Elan Financial has a regular balance of {$40.00} ( see attached document from Elan 's myaccount access.com ). 

Elan Financial " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and XXXX. Thus, my XXXX score " dropped '' by at least XXXX points. This is NOT a isolated incident by Elan Financial- there are many willful and criminally motivated FCRA violations. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

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 2022-08-31
Company: FlexShopper, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: MONEY SOURCE, INC., THE
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The money source took over our mortgage account from XXXX. Right before the transition we were in Covid 19 forbearance with XXXX, had submitted and was approved for a loan modification When the money source took over our account they made all kind of claims, claiming they never received the paperwork from XXXX  with modification details etc, I then reached out to XXXX  and got copies and provided to the money source, also XXXX  assured me XXXX  received all of it. XXXX  then stated they couldnt accept the paperwork from us, gave us massive run arounds saying we were delinquent and would need to do a new loss mitigation with them.

This caused us to incur more fees etc due to more time lapsed being in forbearance etc On top of all this we later sold that house to find out that XXXX  not only approved the modification but also filed a partial claim with the county court house We were able to clear off the XXXX  pa
rtial claim with HUD and the county but still to this day are trying to clear off the XXXX one and get our proceeds from the sale of the house, now going on 5 months. Reason for that holdup is XXXX  filed hud partial claim with our county but never with HUD so HUD cant see it, XXXX wont remove it after dozens of phone calls and emails as they are stating they filed a proper partial claim that XXXX  has to abide by but didnt It is my understanding that a new loan servicing company has to uphold to any loan modification agreement and it is against the law to not do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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 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 listed below. Experian has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my Experian 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 2022-08-31
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act the XXXX, and Equifax have violated my rights. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( account number as appeared on my XXXX report ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above accounts and account numbers are as reported on my XXXX report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

XXXX has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-02-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS XXXX XXXX Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS BUSINESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX Declined To view the full decision details click here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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