BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-03-17
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:
Recently I Disputed a XXXX XXXX  account with Experian and XXXX regarding it not belonging to me. I received a generic response from XXXX saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point XXXX and Experian continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either XXXX nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by XXXX nor XXXX XXXX, it is a fact. XXXX is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.

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 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.

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 2020-12-25
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}

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 2020-12-25
Company: GreenSky, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Agreement was GreenSky ( GS ) would NOT pay the contractor, XXXX XXXX, until verification of completion of services. However, the job was never completed. The contractor disappeared mid-job ( I later found out that was shortly after GS paid the contractor in full ) until they received the letter from my lawyer of the lawsuit on breach of contract etc. 
We are currently in litigation with Contractor for breach of contract. We're trying to resolve this, but in the mean time GS is reporting delinquency and adding interest to the account. I have excellent track record of paying all jobs that I contracted for, such as the new roof job, done, then paid in full. Home generator installed per code, paid in full. This job with XXXX  is a disaster per experts. This wasn't even done per code and above all they stopped the work once GS paid them prematurely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, 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 2017-04-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never live at a certain address and I never had some of the phone numbers. And on one report last name is wrong.

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 2020-12-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Sunday XX/XX/XXXX, I woke up to three Paypal email alerts. The first said that I logged in from an unrecognized device, the second said that I opened up a PayPal XXXX Credit Card, which I had not, and the third said I had a pending purchase for {$1900.00} to " XXXX. '' As I had not taken any of these actions, I immediately logged in and tried to dispute or cancel the charge but I was unable to do so. I attempted to contact the fraud department and took the following steps : ( 1 ) Pressed dispute for two other options ( XXXX apple and {$47.00} for XXXX XXXX XXXX trying to flag my account to make sure the pending purchase would be investigated by a human. In the notes section I wrote please investigate the pending charge. This is not a dispute for the charges selected. I got an email back saying XXXX and XXXX were legitimate charges and nothing about the {$1900.00} charge ; ( 2 ) I immediately tried to call Paypal but no one was there the message said " chat with us, '' so I sent a message trying to get in touch with the fraud team ; ( 3 ) Contacted Paypal via XXXX on my account and my husbands account. Started to secure my account by deleting personal information including credit card, bank accounts, addresses, contacts etc. and the fraudulent paypal credit card key. 
I also separately spoke to XXXX. To research on their end, they wanted the Paypal XXXX  and the order number, neither of which PayPal would provide to me. I also called Mastercard ; they could not track the PayPal XXXX  that was created to cancel the transaction. I also spoke to XXXX XXXX and Visa and they said the PayPal fraud team must reverse the charge. Finally, I filed a police report about the fraudulent activity and PayPal 's lack of assistance with the matter. 
The next day, on Monday, XX/XX/XXXX, I received a text message stating that my purchase was declined. I was thrilled and asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to the bank. However, my account was still at XXXX  and the transaction still said pending despite the text. 
On Tuesday, XX/XX/XXXX, I received a text message that the purchase was declined. I again asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to my bank account but the account was still at XXXX  and the transaction still said pending. '' That evening, I logged on to Paypal and saw the transaction was approved instead of pending. I immediately logged a detailed dispute. 
On Wednesday, XX/XX/XXXX, I woke up and saw that my dispute was rejected and called the police to file a report for larceny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In recently contacted DRS Debt Recovery Solutions LLC ( XXXX ) Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX regarding a debt that was placed for collection on my account. I spoke to a representative due to the fact that I have never received any notifications regarding this account and I have no idea where it came from. The representative stated they would not be able to go into detail regarding the origination of this account. they then went on to verify my information, upon doing so they noticed the address they had on file was incorrect. The representative stated that they would remove the collection from my account in order to give me time to respond to the debt and the information they would send. he also stated that he would mark the account in their system as disputed. The account was never removed and I never received the any information regarding this debt. i disputed this account through XXXX  and they did not remove it this is a direct violation of my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
TransUnion Smart Move is reporting that I have an eviction filing that falls under their eviction proceeding report. I have never held an eviction and the filing for this case was dismissed.

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 2022-03-17
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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-17
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 And I've called serval times since to get this corrected and I never hear anything back. This is over a few months and no action has come to fix my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for my citizens credit card and they delayed my application I have a fraud alert they refuse to verify my identity and approve my application this is not fair they left me a voicemail to call them back but they dont answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-09-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in the loan modification process with a sale date on my property for XXXX. I have complied with Ocwen loan servicing , LLC . I am very concerned about the sale date while in the modification process. My relationship manager assigned to my modification process said to me on XXXX at XXXX pacific time. I have a complete modification package submitted. Along with a letter to clarify a mistake on the XXXX tax return that showed I had XXXX businesses but I only have XXXX business. There should be no sale on my property at this time. Please stop the sale date while I am in the modification process.

Company response to consumer: Closed with explanation