BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX XXXXs violated my rights US BKPT CT GA XXXX, Bankruptcy 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 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 2017-06-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX Per your response : According to Ditech records correspondence was mailed to your attention dated XX/XX/XXXX informing you that the servicing of your mortgage loan would be transferred to XXXX XXXX effective XX/XX/XXXX. Specifically Ditech stated that payments would not be accepted from you after XX/XX/XXXX. However, I never received such correspondence. I receive virtually nothing via US mail. Often I do not even clear my roadside mailbox for weeks without a request from the postman. What I would like to know from you is how much NOTICE is required/appropriate to provide a customer before such significant changes are made? Further you responded : Ditech received an email inquiry from you on XX/XX/XXXXstating that you tried to make a payment online and discovered that your account had been closed. Ditech responded to your inquiry on XX/XX/XXXX, explaining again that your account was sold to XXXX XXXX on XX/XX/XXXX. This is indeed true. In this particular month I was experiencing issues with my automatic BillPayer service and planned to pay online. Since I experienced problems I was force to manually send a check. I stated in said email that the account indicated it was closed. Knowing my loan had not been forgiven I merely assumed the site was mess-up. As to any XX/XX/XXXX mailing please see my earlier response. Additionally, I was at my PA home by XX/XX/XXXXthru XX/XX/XXXX and please note that Ditech doesnt claim to have responded to my email, with an email. Or by phone contact for that matter. My check was cashed by Ditech so no further thought was given to your site problem. As for the balance of your reply you are incorrect. Ditech received monthly payments thru XX/XX/XXXX. All except XX/XX/XXXX ( check ) were electrically sent by my BillPayer system and accepted by Ditech, per my provider. With regard to any checks you plan to send, do not send them to me. Send them to XXXX XXXX, the rightful owner. Ive reported this nonsense to the VA in the hopes they will discontinue the use of such flawed providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-06-24
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a {$200.00} prepaid U.S. Ba nk Gift card a s a gift. I never even opened the package until I first attempted to use the card in  XXXX  of   XXXX  . The package says the card valid until  XXXX , so I never thought there would be a problem. Upon trying to use the card for the first time, it was denied. My first phone call was to US Bank, they told me the card had been compromised, and they would reissue me a new card. I receive a new card with only {$11.00}. I called back, and they said now I would not have to fill out dispute paperwork for the  XXXX   XXXX   XXXX  unauthorized charge of {$180.00}, which I did submit. Then I receive a letter stating my request was denied due to the fact the suspected charge was older than 120 days. At no time did any customer service agent tell me this would have been an issue. No where on the outside of the package does I say there is a timeframe for disputes, or the fact that the card not protected if not used within so many days. Can you advise me if I have any other recourse?

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 2017-06-24
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX 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 2017-06-24
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Army and Air Force Exchange Service
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 star credit card and i had a90 days late payment, becouse the star credit card company did not send ne a paper bill or reminder in timely manner, they contacted me only when paiment was alredy late, i tryed to explain that i was not inrolled into online banking at that time and had no way to make a paiment and never recived a paper statment. i had disputed this matter earlier this year but they said everything is correct on my credit report, could you please help me in this situation, as i am making all my paiments on time and this reallu affect my credit. it happend in the begging of the year XXXX. i was trying refinancing this year and to pay ogg my debt but this matter was an abstacle to that. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I can not get anyone to help me. My child support went on the beginning of the month and I can not get it to let me transfer it to my bank account. Ive sat on hold for over an hour!!!! I need my money. Single mom of XXXX kids! I hate that Michigan resorted to using this XXXX Way2Go company. How do I get my child support?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
American Express is reporting unvalidated negative information on my credit profile to the three major credit bureas ( XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I wrote a letter to Navient asking them to send me the correct information about a closed loan that was opened in XX/XX/XXXX. They were reporting it to the credit bureaus as closed and paid late 120 days, but they never showed on the report the specific months or times when I was late. Each month just said OK or ND for no data. When I wrote them, they replied that my claim can not be substantiated and when I disputed the inaccurate information, they replied " meets provisions of the FCRA. '' In XX/XX/XXXX, this same account reported as " time since last late 72 months ago '' now it says " 43 ''. This is ALL wrong and if they ca n't fix it I want it completely deleted from my report bc it is damaging my other wise perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BARCLAYS BANK DELAWARE
State: HI
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:
Barclays Bank of Delaware is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( 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 2017-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.

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 2022-09-06
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Karma put on my report that I qualified for a lower Interested rate for my vehicle and when I applied I was denied and it lowered my score after applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX  XXXX XXXX Date Opened XX/XX/16 Balance XXXX XXXX-Late/Open Late Date 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 2017-06-24
Company: Southwest Business Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.

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 2017-06-24
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation