BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is in violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Experian must respect my right to privacy. I have a right to privacy ; Experian is violating my rights to privacy as a Federal protected consumer. There is a need for Experian to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Experian actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Experian actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- Bank of America {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- XXXX XXXX XXXX {$24000.00}

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 2022-08-01
Company: BMW Financial Services NA, LLC
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 following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX  XXXX XXXX {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- BMW Financial servic {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: MD
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:
This complaint is in reference to complaint number XXXX. The company 's response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Accounts # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I sent a letter to Amerifinancial Solutions on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX XXXX. ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, these debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Paypal is very deceptive in its transfer money system. Whe a customer goes tot he " money out '' section of their account to send money to their personal banking institution Paypal offers two options for how to do it : 1. No Fee - within 1-3 business days 2. {$25.00} fee- to transfer within seconds The issue is that the company has intentionally designed the XXXX so that you can't tell which option is selected, they are both blue. If you click on the " No fee '' button, the blues shift but you have no idea if that's what you've selected or not, both buttons look like they couild be selected. However, if you click the " {$25.00} fee '' button the screen immediately takes you to the processing screen. 

This XXXX design is deliberate to trick a small % of unwitting consumers out of {$25.00}. It is in the same vein as the old scam banks used to run with how they prioritized your purchases and deposits to ensure you overdrafted if at all possible.The government did a great job of shutting that scam down. You could make another huge difference for consumers by having PayPal stop trying to take advantage of consumers with its deceptive XXXX. It's sad the company feels this is necessary for its business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: WA
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:
My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2022, my credit report was falsely reported by cornerstone financial and Experian. My account was placed in collection without notice and reported as 90 days late after only 30 days. I have yet to receive any information regarding this account being falsely reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MS
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 summited a dispute because my indenity was stolen some used my information to apply for credit in my name I summited my identity theft report with my disputes and they still refuse to remove the unauthorized inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MS
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 a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've been paying on my Navient loans for 10 years and stopped paying them as my balance due is more than what I borrowed. I need assistance with dealing with them because no one will help. They were supposed to send me what I borrowed and what I owed and I have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check via mobile check deposit with Chime on XX/XX/XXXX and received an email from chime stating " We have to make sure the check does not bounce and will be available to you by the end of the day on XX/XX/XXXX. '' Funds were taken out of my employers bank account on XX/XX/XXXX. I called them on XX/XX/XXXX and again on XX/XX/XXXX and they keep telling me that the money will not be available until XX/XX/XXXX and there is nothing they can do. This has caused me to get payment extensions on bills that are due and borrow money for gas to get to work. This has cause me unwanted stress in already stressful times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This company has caused several problems will acquiring my loan through a sale of mortgage companies. My previous company was XXXX XXXX. The new company is Newrez LLC. Transfer of loan was in XX/XX/XXXX. This was not a refinance. Newrez llc says " this is an attempt to collect a debt, everything you say will be used in collecting a debt ''. My mortgage is not behind nor has it ever been behind and I always pay more towards principal. This is uncalled for Statement when I'm trying to do bisness with a mortgage company. I called Newrez on XX/XX/XXXX when I made my XX/XX/XXXX payment and saw that XXXX payment was showing over {$300.00} to high. I let them know that my escrow needs to be adjusted as I was being double taxed for XXXX. My house was a new build in XXXX and the county I live had to wait for appraisals and such so I was not taxed in XXXX on my mortgage but however was double taxed on my mortgage in XXXX. I called Newrez LLC to have on XX/XX/XXXX to do an escrow evaluation and they let me know they do have the tax rate and will submit for an escrow analysis. I just spoke with them today XX/XX/XXXX and the rep says they will not do an escrow evaluation because they are to busy and it's a new loan that they just acquired. That is not my problem. My loan needs to accurate and they are refusing to make it accurate. My mortgage is USDA loan and is income based for financing. Them doing this will throw off my finances significantly for the beginning of XXXX. I don't kindly with companies playing with my hard earned money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NJ
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 received an email from Experian to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXXXXXX XXXX and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost 58 points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX credit card XXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am filing a complaint for my protection under Regulation E. I was scammed by an individual that pretended to be a financial advisor for XXXX XXXX XXXX. I was told there were three plans they offered. I chose the beginner plan for {$1000.00} on XX/XX/XXXX. After working with the pretend to be a financial advisor. I was led to the website to invest, where she walked me through buying process. I XXXX  another {$1000.00} on XX/XX/2022. After these transactions, I received an email that my money was tied up with some minors in a different country, and if I wanted to get my money immediately, I had to pay another {$1000.00}. I received several emails from this company. ( Please see attached ). Desperate to get back my money invested ; I send another {$1000.00}. I waited, and I received nothing. I was contacted again by the financial advisor to send another {$1000.00}. I had to sign up with another investment company. This time I became suspicious that I was being scammed. So, I refused to send the money. I now knew for sure that I had been scammed all along. I contacted Citi Bank, where the initial two transfers were for {$1000.00} each. I also asked the financial advisor for a refund since I never received my investment. No response. I also told the bank that I was able to get the IEP address of the fake financial advisor. Even with the information, I was informed that they would not give me a refund. Since all of this, I have suffered severe economic pain. {$2000.00} is a lot to lose for me. I have the XXXX transactions saved and the written response from the bank. I also have an email from the minors in another country asking me to send more money before my funds are released. I understand this incident happened several months ago. However, I know many people have received a refund for XXXX transfers regarding a Scam. However, I was not one of those lucky individuals. 
Bank Information : Citibank  XXXX XXXX : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Dakota 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 2022-08-01
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this to bring to your attention the injustices that are being committed against U.S citizens such as myself. I have on several different occasions made known to CFPB that I am being taken advantage of by corporations that are not upholding there responsibilities assumed by them to report accurate, correct, and complete information. I am now reaching out to you again about in specific a collection agency that goes by the name of PROCOLLECT , INC . I have provided PROCOLLECT , INC with FTC reports explaining thefts that happen to me pertaining to information they house and how the information they are housing as well as are reporting is not information that reflects any account that I have opened knowingly. I have also provided them with law and other reasonings and instructions pertaining to the theft and am being taken on a goose hunt. They are responding to my letters with the same response each time I ask for a reinvestigation of my case. This has been years and I am still dealing with this account reporting on my credit profile. I am beginning to get very frustrated and now again I am asking that you CFPB to look into this fraudulent account you being the governmental body and make PROCOLLECT , INC abide by the law as this is what the system is based off. The letters sent to PROCOLLECT , INC prior to this attempt are attached with this complaint. PROCOLLECT , INC is asking for a police report but I am not in my city at the moment and shouldn't have to deal with that hassle. According to FDCPA, FCRA, and FTC a FTC report which is equivalent to alerting the local authorities coupled with my testimony is all that is needed to validate that the theft has actually occurred. And if the company is looking for more proof than all the documentation I have already provided, then I also am asking the company to prove the debt is mine by providing me with the original contract between me and the Original creditor. Specifically this contract I'm looking for as proof of the debt must bear my signature to be valid and must be the original instrument used when the account was opened. If this proof is not specifically provided, by law the account in question must be deleted according to FCRA. I am asking this thing be handled immediately or I will seek litigation.

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 2022-06-09
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX my car repossessed and the law office of Relin, Goldstein and Crane took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX  They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.

Company response to consumer: Closed with explanation