BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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: Was not notified of investigation status or results

Complaint:
i sent letters out to the XXXX bureaus regarding inaccurate information and they have failed to respond. XXXX XXXX failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with asset care. there is also XXXX other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX  please delete

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 2023-06-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, {$680.00} XX/XX/XXXX, {$1600.00} XX/XX/XXXX, {$1000.00} XX/XX/XXXX, {$940.00} These all are on my credit report in collections and I have no knowledge of ever making these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Account status incorrect

Complaint:
I am applying for a mortgage loan and the lender is using the lowest credit score, which is Experian who has my credit score set at XXXX, while the other two credit scores are over XXXX. 
I called Experian and they said I needed to speak to a credit advisor. I am disputing Experian 's report as I have XXXX  debt.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}

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 2023-01-20
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle from XXXX XXXX. The loan was through them, although through a company called XXXX. 

I refinanced the loan with XXXX XXXX XXXX XXXX. They did not receive the title. XXXX says that they sent the title to XXXX XXXX but that is not my bank, or the bank whos check satisfied my loan. They refuse to fix it, I have called and spoken with supervisors. I am unable to register my vehicle in a new state because I do not have a correct title, and my refinanced loan is currently unsecured as they do not have the title. 

They need to electronically send the title to XXXX. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Savings account not closed right

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 2017-09-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
LOAN NO.,XXXX
Seven months ago as inheritor of the Estate of XXXX XXXX (legally registered in XXXX County Probate court) I approached Nationstart dba Champion Mortgage to pursue a shortsale on the property. We were assigned as our contact person XXXX XXXX (Tel XXXX  email: "XXXX XXXX"  ) , who informed us of the requirements. We submitted an inspection report, an appraisal, and Sales contract. Days later the content of the inspection report was ingnore and the entire package was rejected, then Champion decided to send their own appraiser who did not take into full consideration the dire condition of the property, and the net price that Champion agreed to was $XXXX. It is interesting to know that the Appraisal was completed by Champion Appraiser XXXX XXXX XXXX on XX/XX/XXXX yet we did not received Champion Approval letter until XX/XX/XXXX and this was after making several requests, that means that we were penalized for more than a month from the date of the bank appraisal. After discussing this buyer, I persuaded him to resubmit a new sales contract and HUD1 with the new price, several weeks later after requesting several times the confirmation letter we finally received it. The bank appraisal had an expiration date of XX/XX/XXXX. Unfortunately due to hurricane XXXX and the State of Emergency called by the Governor, we could not proceed with the closing as planned. Last week I emailed XXXX XXXX as well as my buyer requesting a short extension since the entire legal community and the courts were closed due to the aftermath of the hurricane. To my astonishment the two week extension was denied and now we are back to square one. The property incurred substantial damage yet due to past experience with bank appraisers, whoever they send will appraise the property at a higher price totally ignoring the condition of the property, this is done in a very SUBJECTIVE WAY as to minimize the lose the bank will incurred as a result. 
In a time when millions of us in Florida went through this catastrophic hurricane it is incomprehensible and completely unfair by Champion mtge to impose such deadline totally ignoring the facts on the ground. 
Summary: 
I EXPECT THIS AGENCY TO LOOK INTO THIS MATTER AND CONTACT THE POWERS THAT BE AT CHAMPION MORTGAGE TO WAVE THE XX/XX/XXXX DEADLINE AND GIVE US TWO WEEKS TO PROCEED WITH THE CLOSING ON THE PROPERTY. THIS TYPE OF BEHAVIOR BY A CORPORATION WITHOUT REGARD FOR THE ELDERLY WHEN WE HAVE JUST WENT THROUGH THE BIGGEST HURRICANE IN HISTORY IS TOTALLY UNCALLED FOR AND NEEDS TO BE FULLY ADDRESSED BY THE REGULATORY AGENCIES. SHOULD NATIONSTAR / CHAMPION MTGE REFUSES TO WAVE THE XX/XX/XXXXAPPRAISAL DEADLINE, MY BUYER AND I WILL BE FORCED TO FILE A COMPLAIN WITH THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT THE GUARANTOR OF THE REVERSE MORTGAGE AND I WILL SEEK ALL LEGAL REMEDIES AVAILABLE TO ME TO ADDRESS THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am writing to appeal the permanent ban on my account. I understand that my account has been flagged for potential violations of terms and conditions, I assure that this is a mistake. 

All of my sales were legitimate and the products were sent to satisfied customers. I have received positive feedback from my customers and my account was growing at a steady rate. 

As a result of the permanent ban, my funds are currently locked and I am unable to access them to continue my business operations. This has caused a significant disruption to my business and has resulted in a loss of revenue and customers. 

I would like to request that review my account and lift the permanent ban. I have always been a compliant user and have followed all of PayPal 's terms and conditions. I assure that I have not engaged in any fraudulent activity. 

I understand the importance of maintaining a safe and secure platform for all users and I assure that I am committed to complying with all of PayPal 's policies. I hope that paypal can understand the gravity of the situation and take immediate action to rectify this mistake. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It was a Wells Fargo loan. I understand they have had many discrepancies. And wanted to make sure my account was not affected. We paid it off in 2022.

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 2023-02-02
Company: EQUIFAX, 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:
I have tried to dispute an inaccurate account with Equifax several times. The account is XXXX XXXX. The account is reporting inaccurate account types, account status, opening date, high credit, credit limit, last date active, and date of last payment. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. The sent me a letter stating that they would request for Equifax to delete the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections account was opened against me XX/XX/XXXX for an amount of {$620.00}. I have never heard of this company nor have I received any information from this company. I tried calling the company to only be met with a voicemail and never heard anything back. I've disputed this with XXXX and they failed to remove the collection from my account which I have no knowledge of. The balance right now is {$730.00}. An investigation/dispute through XXXX has been made in XXXX of XXXX and XXXX refuses to reinvestigate the situation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 SEVERAL COMPLAINT that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}.

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 2022-12-23
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2022-12-23
Company: EQUIFAX, INC.
State: MD
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:
I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law?

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
There charging me late fees always had a 10 day grace period there charging {$9.00} late fees then reverse them now {$120.00} late fees I'm already paying there ridiculous interest rates. There customer service is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The basis for my dispute National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX, NATIONAL CREDIT ADJUSTERS, XXXX ..., {$650.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

NATIONAL CREDIT ADJUSTERS, L.L.Cfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, NATIONAL CREDIT ADJUSTERS , L.L.C '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of Texas allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve NATIONAL CREDIT ADJUSTERS, XXXX held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
By my mistake, a payment of {$8.00} was declined by my bank on XX/XX/2023. This immediately resulted in an {$8.00} fee being charged the same day, plus an interest charge of {$4.00} on XX/XX/XXXX. 

However, there was a new interest charge of {$5.00} on XX/XX/XXXX. I believe this charge of {$5.00} was mistaken and I would like to request a refund. 

Also, I would like to ask for a reconsideration of fees as I always pay my card bill regularly and have never been late on a payment. 

Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 i shopped and purchased the required amount on a mail flyer for a {$25.00} savings at the HOme Depot store XXXX in XXXX, GA. 
The cashier scanned the mail coupon code and just said " this is a credit to my account and not taken off immediately. Usually XXXX is taken off at the point of sale, I thought this was odd. 
I have called both HOme Depot customer case and Home Depot credit card services. 
When i first called in XXXX to The credit services, they said it takes 1 or 2 billing cycles for the credit to appear. I have been XXXX billing cycles and still no credit applied. 
I then in turn called Home Depot customer care. They tell me its all handled under Credit card services. When i called back to Credit services they tell me its not them and to take the issue to Home Depot customer service. I didnt see anywhere on the mail promotion that would indicate any delay or waiting for any rebate. The attached receipt documents the XXXX  promotion.

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 monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief