BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
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:
XXXXm filing a dispute on XXXX XXXX  they have two different creditors, pending against my credit and it unlawfully for them to do that

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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been calling since Friday XX/XX/XXXX trying to release funds from a check that was cashed. starting Monday XX/XX/XXXX we were given a lot of instructions to get it cleared and hold taken off, by chase bank. Chase can not get in contact with XXXX XXXX XXXX XXXX XXXX, the bank from where the funds are coming from, to verify payment. The payment is in the amount of XXXX . We tried discussing this with XXXX XXXX bank and they refused to help confirm funds. This is an urgent matter as I need the funds to close on home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
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 sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-04-12
Company: Prince Parker & Associates
State: MI
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:
Prince Parker and Associates have been sent a verification of debt and cease and desist letter. They also have incomplete and false information listed on my credit report making it nearly impossible to contact them. Attached is a screenshot from my XXXX credit report. This is not their correct address so how am I supposed to ensure that I can dispute this properly when I have received nothing even from this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EMCC Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is called Equiant finance and I did not authorize them to take a loan out for this. I have never even heard of Equiant finance when we had looked into this vacation club. Apparently it is also a mortgage which we also did not know because we were told is was a vacation club and not a mortgage or timeshare. Ive been trying to get it off my credit for a while now, and its been taken off all of my credit reports besides XXXX. I paid the balance off because it was stopping me from being able to move my family to a better house, but I still can not get approved given they havent updated that I am current and the loan is paid off. I did not allow this company to put a loan on my credit, nor was I told it was considered an open mortgage that would be passed generation to generation. This company is fraud, all of their XXXX   reviews confirm that as well. They showed us an A+ on the XXXX   but doing our own search, they were not accredited and has awful reviews saying the same thing about them putting a loan/mortgage on their credit without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TMX Finance LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
received first loan in XX/XX/XXXX the loan was for XXXX paid XXXX $ for 14 months till my daughter paid of the loan in the amount of XXXX had to get another loan in XX/XX/XXXX to move back to XXXX as rent was to high in XXXX XXXX TX , the loan was for XXXX $ i pay XXXX $ every month from my VA and SSI benefits and still have the pay off at XXXX. Would like to know if I can be helped in any way. THANK YOU. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been having issues setting up the US Bank online app, and have had issues for months with the bank, state farm insurance online payments, phishing schemes, and my USPS mail being delivered places it should not be. I realize part of the issue is my own with communications in person, an in public. I have had issues previously with online accounts being hijacked, stalking in person, and had issues with XXXX  police department and an incident involving my WiFi getting hacked and a bill for calling XXXX, and having sound XXXX and the XXXX police department with either entrapment, tampering, and planting data. I keep getting alerted to attempts for password for secure login/ login.gov that is not at my request. I need to speak with the health department, and Department of justice as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I disputed a {$25.00} balance on a closed credit card account to Capital One on XX/XX/2023 in a letter to its Dispute Dept. in XXXX XXXX XXXX, paid the undisputed amount, and have yet to receive any reply ( by XX/XX/2023 ). 

Capital One has had more than 30 days to confirm having received the letter, and it has not yet done so. 

Although I do not have to pay the disputed amount while this dispute is pending, Capital One nonetheless charged me a {$29.00} late fee and a {$0.00} interest charge in XXXX, XXXX. 

Capital One later reversed the {$29.00} late fee and {$0.00} interest charge on XX/XX/2023 after I complained to the CFPB, but the unaddressed, original {$25.00} charge remains on the closed account. Capital One will now charge me another {$29.00} late fee on XX/XX/2023 plus interest, when I fail to pay the disputed {$25.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: LEXISNEXIS
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 is missing that should be on the report

Complaint:
Lexisnexis continues to violate the FCRA 623 ( a ) ( 1 ) ( A ). Lexis failed to conduct a proper investigation as they are required to do under the FCRA. I disputed a XXXX  XXXX Bankruptcy ( File Number : XXXX ) that they continue to report on my credit file that they maintain under my social security number, the ENCLOSED report highlights the ERRORS that they continue to report to XXXX, XXXX and XXXX. 1 ) Shows a Bankruptcy filing number of ( XXXX ) that number is listed INVALID by Pacer ( See enclosed report ) 2 ) Their report contains several missing items ( See enclosed report ) 3 ) Shows disposition as discharged and UNKNOWN. ( Refer to enclosed report, source Lexisnexis ) 4 ) Shows a contact number of : XXXX ( This number is invalid, See enclosed report ). Now is not the time to update this report, this file must be deleted per the FCRA or I will seek my legal remedy in Federal Court for your violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: SANTANDER HOLDINGS USA, 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:
my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but Santander consumer usa wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet santander keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to santander demanding to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus and collections agency have violated my consumer rights, this was paid off XX/XX/XXXX, and is still reporting on my consumer report as unfavorable. It's currently listed as written off but the consumer paid for it. I have requested it is taken off and as of XX/XX/XXXX it is not removed. 

According to 15 USC 1681i ( 5 ), the dates and outcome are incorrect, and id like this to be fixed. 

This violation is hindering my ability to apply for a home and will result in a huge negative impact on my family and me. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND  XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$9900.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/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 2023-03-16
Company: Experian Information Solutions Inc.
State: MI
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 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its 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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

123

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: VA
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 mailed a letter to Experian on XX/XX/2023 and they sent me a letter back on XX/XX/2023 claiming the letter I sent them was not from me and that they would not be complying to my request to remove unauthorized inquires.

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 2023-03-16
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I wrote a check to someone. I confirmed with him that instead of cashing the check I would XXXX him. I sent him the XXXX payment and moved funds out of my checking account to my savings account so that the balance would be lower than the check amount and the check would not be accepted. Instead, PenFed authorized an overdraft from my savings account which I never agreed to at any point. I was also charged an overdraft fee of {$30.00}. I want my {$1500.00} back.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: NC
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:
old accounts have been previously disputed that are not accurate and they have still been appearing on my credit report along with different old address that needs to be removed because none of them along with workplaces are not accurate, my name is not accurately spelt either i need those to be deleted asap!

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 2023-03-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When our mortgage got transferred to Mr. Cooper, they did not transfer our insurance documents. They failed to notice that this information was missing from our account for an entire year. They sent us a letter stating that our coverage was delinquent which was false, and to update our home insurance information. In accordance with the instruction provided we uploaded our policy to mycoverage.com/mrcooper and received notice that our policy was up to date. Mr. Cooper, without informing us, then purchased a duplicate policy from the policy we updated paying for this out of our escrow. We are now effectively paying twice for the same policy. In an attempt to address this issue we spent hours in cyclical IVR questions before finally being able to talk to a human. The individual said it was XXXX, our insurance company, who had REQUESTED that our insurance be paid through escrow. When, speaking with out XXXX agent, they explained this was false, they had no direct communication with Mr. Cooper, there was no need to pay through escrow, and that Mr. Cooper had failed to add themselves to the policy when the mortgage transitioned from Nationstar. Now, after again hours and multiple attempts to reach a representative, we have not been able to speak with/contact a human being, leaving us currently paying twice for an insurance policy we bought independently. 

This issue is ongoing as we have not been able to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
1. I advised USBANK my card was expired and I needed a replacement by phone. Can not remember date, but on or about XX/XX/XXXX. 
2. Went online made second request on or about XX/XX/XXXX. 
3. Wrote letter to company to complain and advise I would be contracting this agency. Letter mailed about XX/XX/XXXX. Sent to Customer service at USBANK Reliacard XXXX XXXX XXXX XXXX, Mn XXXX. 

No one has contacted me to resolve!

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NV
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 submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance : {$280.00}.

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