BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: NC
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:
My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

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 2022-06-15
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 everything has to be 100 % accurate on my credit report. 

15 USC 1681 section 603 A. states a consumer reporting angecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested a true signature contract signed. And never received one. The company sent a limited contract in name only.The company XXXX  XXXX XXXX. 
Corporate collections department XXXX XXXX XXXX XXXX 
XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
OneMain Financial is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted OneMain Financial on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. OneMain Financial did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file.

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold a TV to someone on XX/XX/XXXX for {$100.00}. She sent me the money on CashApp and took the TV with her. After receiving the item, the person filed a dispute with their bank. Cashapp did not ask for proof of a false transaction and removed money form my account without permission on XX/XX/XXXX. I spoke with a Cashapp representative and they told me that they're required to refund the money when someone files a dispute. I don't understand how they're required to take money out of my account without getting proof that the transaction was not fraudulent. I now have no recourse to receive my money because my bank ( XXXX XXXX XXXX says Cashapp has to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.

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 2022-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal Credit Union automatically robbed me of {$800.00} I deposited to my account without my consent, my knowledge, without any communication or authorization by me stating that it was ok for them to pull money out of my savings account. I had not idea that they would automatically go into my savings account and withdraw 3 consecutive withdrawals of {$200.00} and 1 withdrawal of {$170.00} of my hard earned money and my only means of living. That {$800.00} was all I had to survive on and I made no payment arrangements, authorizations, or consent for them to take and automatically withdraw that amount. I did not make any payment arrangements for them to withdraw money from my account without my express written or verbal consent, or knowledge. I didnt not state it was ok for them to take and withdraw those 4 specific amounts from my savings account automatically without my knowledge, authorization or consent. I did not make any payment arrangements for them to withdraw or take money from my account, or automatically withdraw from my account without my knowledge or authorization. Had I known Navy Federal was going to automatically take money from my account I would not have made a deposit to my savings account or trusted that my money would be safe in their bank. I had not made any authorizations or payment arrangements consenting Navy Federal to automatically withdraw and take from my savings account. I would like my money back that they automatically withdrew, robbed, and stole from me without my consent, knowledge, or authorization that they could withdraw or take my {$800.00} dollars that I worked really hard for and that is all I have to survive and live off of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
I have so many inquires that i did not authorize and sitting on my report ... .im showing over XXXX!. I can account for at least XXXX of them. I never authorized these people to take my report and i asked them to show proof but no one has. Experian is saying all data is factual and will not remove.

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 2019-11-23
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Barclay is reporting erroneously and in violation. They are reporting a debt that is owed but it was previously discharged in a Chapter XXXX bankruptcy. I have notified my attorney that they are in violation of the automatic stay. The next correspondence will be from my attorney.

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 2017-07-20
Company: Flagstar Bank, N.A.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.

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 2021-10-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my name is XXXX XXXX today date is XX/XX/XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the XXXX data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed PROFESSIONAL DEBT MEDIAT {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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 These Accounts ; 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 XXXX XXXX XXXX have violated my rights 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

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 2022-06-15
Company: EQUIFAX, 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  Accounts # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # 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 state consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 2022-06-15
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:
I purchased a copy of my report in XXXX  dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX because I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter in onXX/XX/XXXX and didn't get a response, i sent in another lettere onXX/XX/XXXX and still nothing. its not been over 30 days and i demand removal of the negative items that are defamation of my character

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 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bank of america N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it 's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd! They called me day and night, even after being advised to cease and desist and to stop. Furthermore, they claim they ca n't delete a trad line per the FCRA, and are stubborn nasty on that more than any other bank out there, even though it 's been very close to retention, they wo n't go above and beyond and will not comply with the good faith and fair dealing act. However, when they are afraid of a legal claim against them related to FDCPA, they were suddenly wiling to also violate FCRA rules, if I should 've sign a waiver of claims and an NDA, based on what I was clearly told by XXXX XXXX XXXX, bottom line this bank had to pay billions of dollars for all their mishandling mortgages, and other claims, and were balled out by the government, although it was their fault and negligence, but when it comes to someone else, they are nasty, rude, ignorant. As of today the account is differently being reported to each 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 explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a federally protected consumer ; natural living person. I am aware that Bank of America is in violation of my federal rights. I am not being coerced by any third party or agency and I am making this complaint with my own free will. Please review the complaint attached.

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 2022-01-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I contact Experian to find out why my credit score dropped XXXX  points and no one could tell me. I received five different numbers to call to get my Question answered. The last phone number I received was for credit counseling. I dont need credit counseling, I need to find out why my credit score dropped XXXX  points. Ive had this same problem before with Experian. When my credit gets a certain point, they bust it down about 30-40 points without a clear explanation. No late fees or payment to justify the decrease.

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 2017-07-24
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For almost 4 years I have been trying to get a loan modification from XXXX with no success. I have been trying keep my family in our home. I am 18 payments behind. For some reason XXXX sold my loan to selence finance. Now I am trying to get one done with Selence and they will not work with me either. I have asked both XXXX and Selene Finance to send me a copy of my original loan papers just to see if they are even allowed to forclose on me. My payment has went up almost 400 a month and since for some reason the they will not explain. They wont even tell me the investor that owns my loan. I have been scamed by to different companies that said they could get me a mortgage modification. They are XXXX XXXX and XXXX. to the tune of over 53 hundered dollars. My account number with Selene financial is XXXX and I owe about 220 thousand dollars on the loan. The Builder that sold me the house had the appraisal pushed to XXXX XXXX dollars and trade my home in on their new one. He could not even get XXXX dollars out of the house. and after a couple of years the owner of the company came to me and said he is giving me back my old house. He never took it out of my name. the payment on the house was almost 1100 dollars and i could not afford to take it back and was forced to file bankrutcy. The state of indiana attorney general sue the builder XXXX XXXX for several hundreds of thousands of dollars in fines because the did that to more than just me. My loan or account number with Selene financial is XXXX. Please help me get a loan modification so I can keep my family together. I can afford about XXXX to XXXX per month if they will modify the loan to that. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation