BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}.

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 2022-12-12
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX Credit card opened in XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.

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 2022-12-23
Company: Freedom Mortgage Company
State: NM
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:
This problem is actually due to inaccurate reporting by my mortgage holder Freedom Mortgage Corp which is the subject and related to XXXX prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint Freedom Mortgage- back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure FM took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at Freedom Mortgage that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.

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 2017-09-25
Company: Unisa, Inc
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit report showing account is delinquent 90 days Electronic payments made {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I contacted an individual who was advertising two soccer tickets for sale on XXXX. He provided me with his XXXX payment information ( Phone Number = XXXX, XXXX = XXXX XXXX ). 

Upon confirming he was a registered XXXX user via my Chase app, I sent two payments in the amount of {$140.00} and {$30.00}. After that, the individual did not respond to any of my follow-up text messages, nor ever send the tickets. 

I contacted my bank ( Chase ) on XX/XX/2022, and explained the situation, and requested a refund as I had obviously been defrauded, and this qualified as an unauthorized transaction according to the CFPB. However, they refused to reimburse me, even though this individual was a registered user on the Chase-owned XXXX ( making him appear as a legitimate individual which which to transact ), and my experience qualified as an unauthorized transaction. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Affirm Holdings, 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:
15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX  ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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 received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have used PayPal for more than one year and i have always kept in mind my the policies and terms of PayPal. My business was also running great and i also decided to open an LLC in the united states to further expand my business and also try new businesses.

Today i woke up and saw an email from PayPal Which said " You can no longer use PayPal '' " we decided to permanently limit your account as we found potential risk associated with it. '' Without any warning, without letting me explain myself, they have closed my account, in my head i dont think i have violated any terms or policies. and i can also show proof for all of my transactions which took place.

I had funds in account of {$360.00} and a customer also had to pay me {$250.00} for a website that i sold on a platform called XXXX. i can not now pay for my hosting, plugins and domains, as my account is banned with any reason : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Resurgent Capital Services L.P.
State: OK
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:
On XX/XX/2022 I sent a validation request to LVNV funding, XX/XX/2022 LVNV responded with a bill printed by them. On XX/XX/2022 I sent them back a failure to validate, they sent nothing to me that showed I owed the amount they are alleged asking for. On XX/XX/XXXX, XXXX Resurgent then proceeds to send a letter stating some other company XXXX XXXX is servicing account, but still sends me no proof that this alleged debt is mine, XXXX I sent another letter stating they have violated fdcpa and FCRA laws. This is deceptive and they are violating Federal Laws, Ive included all the communication as well as a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Creditors Bureau Associates
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date : XX/XX/22 I sent XXXX a copy of the company creditors Bureau associates, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Mailed dispute letters XX/XX/2022 to equifax XXXX  and XXXX Sent a demand to comply letter XX/XX/2022. No results received, nor any communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Transunion ) and no date for XXXX. All three bureaus are reporting different dates. Thanks

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 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I never received the {$500.00} bonus for opening up a Business Advantage Fundamentals checking account with Bank of America. At the time of applying for the checking account Bank of America offered a {$500.00} sign up bonus for new customers who met the requirements. Customers were able to apply for the account online at " https : XXXX '' for any new customers. 

**Note ; Bank of America XXXX changed the terms of the bonus some time during XXXX, XXXX from " new customers '' to " specific customers who received targeted invitations '' 1 ). Bonus requirements from Bank of America per their web link at the time of signup ( XX/XX/XXXX ) " https : XXXX '' - Must be new Bank of American business checking customer - Within 30 days of opening up an account, fund the checking account with {$20000.00} minimum funds from non Bank of America source -Maintain a minimum average balance of {$20000.00} from days 31 to 90 calendars of account opening - {$500.00} cash bonus paid to the account within 60 days of meeting requirements. 

2 ). Here are the applicable dates and accompayning info for my account ; XXXX ; Applied for account using the link https : XXXX, which automatically applied the promo code " XXXX '' during the signup process for {$500.00} bonus for new customers who meet the terms of the bonus. 

XXXX ; Received an email from Bank of America of account approval. Deposited {$25.00} check XXXX ; Deposited {$100.00} check XXXX ; ACH transfer deposit {$10.00} XXXX ; Deposited {$20000.00} check XXXX ; ACH transfer deposit {$20000.00} XXXX thru XX/XX/XXXX ; Balance is over {$20000.00} ( 30 days after opening acct ) XXXX ; ACH transfer withdraw {$19000.00} ( 31 to 90 days after opening acct ) Min avg balance during this period is above min {$20000.00} avg to meet the bonus requirements XXXX ; ACH transfer withdraw {$15000.00} I've contacted Bank of America representatives several times , but without much success in rectifying this issue . Most aren't aware of the bonus or keep transferring me to different departments with long hold only for the call to be dropped again.

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 2022-08-03
Company: Consumer Portfolio Services, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed on XX/XX/XXXX which is against the law and without my consent. I have spoken to the supervisor and sent emails following that date about the violation that they have committed against me according to congressional law 15 USC 1692f ( 6 ) ( b ). That clearly states in fine print that there is no present right to possession of the property claimed as collateral through enforceable security interest. 

They are also in direct violation of 15 USC 1635 that states when an obligor exercises the right to rescind under subsection ( a ) he is not liable for any finance or other charge, and any security interest given by the obligor under this section. The creditor shall provide ; in accordance with the regulations of the bureau, appropriate forms for the obligor to exercise the right to rescind any transaction subject to this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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've contacted all three bureau XXXX XXXX, XXXX, and Experian asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 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 2022-08-03
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've contacted all three bureau XXXX XXXX, Equifax, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CA
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 federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

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

15 U.S.C 1681 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.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXXXXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Mortgage 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 15 U.S.C 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 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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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 have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.

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 2022-10-24
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I'm trying to close my Escrow account since the mortgage bank BSI financial is indeed very screwed up and didn't include the school tax payment on the 2021 year, I paid it up and now have a XXXX balance on my escrow but they won't close it for no reason, since I never missed a single payment and paid up my escrow balance I would like to pay directly to the town, village, etc. They approved my fresh appraisal, which reduced my XXXX to less than XXXX  %, yet they refused to close my escrow account. 


They have been really tough to deal with since the beginning.

Company response to consumer: Closed with explanation