BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Giggle Finance Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online for a payday business loan from Giggle Finance on XX/XX/2022 and signed a one page contract ( company only made one page visible to me upon signing ) by email. I immediately decided I did not want the loan and tried to contact the lender repeatedly to cancel the loan entirely and they never answered or responded to my phone calls. This was an immediate red flag. I received an ACH deposit in the amount of {$450.00} on XX/XX/2022 & contacted my bank right away to block the merchant transactions as I suspected this lender may not be trustworthy. I attempted to repay the funds that were disbursed prior to cancelling my card, but their website does not give the borrower any option to set up an account and make payments and still they were not answering any calls to their company phone. Now 3 months later after NO CONTACT from the lender they have forwarded the matter to a collection firm and filed a UCC lien with the state against my business assets that caused a random cash app account to be frozen. Per the collection firm, they are demanding over {$1000.00} to settle the debt which is laughable. The collection firm has also stated that issue has occurred with several other borrowers on behalf of this company. Again, Giggle has made zero effort to contact me directly and they have not answered any phone calls to their company phone, which I suspect they do on purpose to avoid listening to consumer concerns about their predatory lending practices. I have only been in contact with them through the debt collection firm over the past week of XXXX and they are lying and deceiving even them! Please beware!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Sun West Mortgage in I believe, XXXX or XX/XX/2022. I also cancelled my home owners insurance with XXXX XXXX XXXX on XX/XX/2022. In XXXX and I signed with XXXX XXXX. I received a letter from Sun West stating they received two claims for homeowners insurance payments. I called Sun West and verified my cancellation with XXXX XXXX but Sun West had double paid to XXXX XXXX and XXXX. Then In XXXX I again received a letter from Sun West Mortgage stating they double paid again. I called Sun West and cleared it up again. I filed a complaint with The XXXX  XXXX. Of XXXX : Consumer Complaint for XXXX XXXX. I also filed a complaint with CFPB against XXXX XXXX XXXX ; Complaint ID XXXX. Since that time Sun West has not been sending me my payment coupons. They have been calling me and in their verbal disclosure they are threating foreclosure on my house with this statement " We are a debt collection agency and whatever you say can be used for that purpose ''. I have made every payment and in fact have made extra payments to my principal. They have not resolved my issues and in fact continue to threaten foreclosure. Please investigate their business practices and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries and reported information listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries or checking accounts and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  with a balance of {$900.00} and XXXX XXXX  with a balance of {$5600.00}

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 explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXX/XX/2021. Please remove fraudulent debt on my report or provide proof in writing within 30days.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: AZ
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 list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX recoveries. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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 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 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 2022-07-29
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:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I deposited a check of {$2900.00} to my Capitol One checking account online. I then got an email stating it was being processed. A few moments later I got an email saying it was successful and that the amount will be available in full on XX/XX/XXXX. Then on the same day, I received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' I was not made aware of the reason. The next day XX/XX/XXXX I called the bank in order to ask questions and was immediately sent to voicemail. I was not too worried about it as this was a small amount of money. I tried calling a couple more times only to receive the same response. Sent straight to voicemail. 

On XX/XX/XXXX the check was reversed without any notification I noticed this on XX/XX/XXXX and tried to call the bank still sent to voicemail due to my account status. 

XX/XX/XXXX I called the bank that morning after noticing my savings account was closed. I was not made aware of why. Then received a call saying they couldn't verify the check and that the bank was " no longer doing business with me. '' My accounts would be closed and my money will be coming in through a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a account without my written instructions. 
The following Account ( s ) : Account # XXXX Original Debt Collector XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}

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 2022-06-08
Company: EQUIFAX, INC.
State: MD
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:
I have sent several letters to Equifax asking them to update my credit history to match that of the other reporting companies and they have not made any changes resulting in a score thats way beneath the others. This continues to hurt my overall score because of their neglect to stay up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive tried to dispute certain things with Experian that they are unwilling to take off. They give me difficulty disputing items, Im unable to submit online disputes and I cant dispute items over the phone because they verified them. All they did was call the companies directly rather than verify through their 3rd party data suppliers. Ive tried to dispute XXXX XXXX XXXXXXXX multiple times. XXXX and XXXX have already deleted this. Ive already told Experian how the IRS confirmed my identity has been stolen. They told me to provide FTC forms and I provided ftc forms. Since its already been disputed, they dont let me dispute it anymore. XXXX XXXX and XXXX consumer late payments were taken off of my XXXX and XXXX credit reports. For some reason, Experian has been reluctant to take this off. I have a collections account from XXXX XXXX XXXX for an att. This has been reinserted into my credit report so many times I cant even count. I would like this att bill to never show up again. Late payment for XXXX XXXX bank should also be erased. I just received a correspondence about how I have several on time payments with them. Ive also already disputed with the account directly.

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 2022-07-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank, which issues my NFL Extra Points Visa Card was down for " routine scheduled maintenance '' for at least a week, from on or about XX/XX/2022 until on or about XX/XX/2022. I was finally able to make a payment on XX/XX/2022. This outage caused my account to go 30 days late and a derogatory mark to hit my credit report. When this account was previously with XXXX, I had never had a late payment on my credit report, and I fear this outage, and my inability to make my payment will cause my report score to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: AL
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX  XXXX  Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

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

15 U.S.C. 1681C. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other ADVERSE items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was getting calls continuously about a debt I have no idea what it is! Now they dinged my credit I Never received anything in the mail from them, about What, Where, When, or what company I owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-12-02
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXXDEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation