BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: UT
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected. 

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 2023-06-27
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I lost my job and got behind in mortgage payments of {$830.00} a month. I called on several occasions and I kept getting the ride around. I still made a payment every month but was still in the rear. After a couple month, I received a letter stating I made to pay All monies or get foreclosed.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2023 I submitted the attached letters to XXXX XXXX & TransUnion requesting them to validate the information they are reporting. To date, I have yet to receive a response from either company regarding this reporting. 

This item needs to be deleted from my report as it was not verified within 30 days.

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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America I'm missing my unemployment checks during covid caused me to be homeless I live in Kentucky.

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 2023-06-28
Company: Chime Financial Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Starting XX/XX/2021 my acct was hacked and made to appear as if I transferred money to my self via cash app started off adding XXXX then XXXX dollars then dstarted to deduct In small denominations as low as XXXX dollars and then up to XXXX and eventually XXXX dollars. INEVER RECIEVED THE MONEY ON MY CASH APP!!! 
I PROVIDED CHIME WITH MULTIPLE PAGES OF EVIDENCE WHERE MY PERSONAL BANK ACCT WAS HIT THE SAME WAY, CASH APP HAVING NO RECORD OD SAID TRANSFERS AND EVERYTIM THE DISMISSED THE {$410.00} DISPUTE TWO TIME WITHIN HOURS AS IF THEY DIDNT EVEN BAT AN EYE AT IT. 
PLEASE HELP ... IM ON FIXED INCOME AND XXXX MIGHT NOT BE MUCH TO MOST OR CHIME BUT IT IS TO ME THANK YOU ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
I have been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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:
dear cfpb, i just got a response from Experian stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXXXXXX XXXX can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

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 2023-06-28
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an online savings account with XXXXXXXX XXXX, on XX/XX/ I did a {$50000.00} wire transfer, they took so long, let so many days go by, that when they finally did the wire, the account it was sent to was full after all this time elapsed, so it was not accepted and marked for return, the bank told me I would have funds by end of day, next day the latest, As it stands on XX/XX/XXXX  I still have no refund, every time I talk to bank, talk to different people get different story each time. there phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  credit card for {$2000.00} is from over 10 years old. Also a XXXX XXXX card for {$400.00} is more than 10 years old. I have said they are byond the statue of limitations and collection is to be ceased. They continue to call and harass me. They try to get me to login to see what the debt is for without communicating it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: PA
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 1681. 

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 XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-06-28
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Chime bank for two transactions. One transaction on XX/XX/XXXX for {$8.00} and another for a transaction on XX/XX/XXXX for {$1100.00}. I filed both transactions at the same time advising chime that the transactions were not me and they were fraudulent as my wallet was stolen at a concert. Chime accepted the transaction on XX/XX/XXXX acknowledging it was fraud and refunded me the {$8.00}. To my surprise the transaction on XX/XX/XXXX for {$1100.00} was denied almost immediately. I asked them why the transaction on the XXXX was fraud and not the one on the XXXX as of course if my card was compromised on the XXXX, why would it not be on the XXXX. They gave no explanation as to why they approved the one for {$8.00} and not the one for {$1100.00}. They gave me the option to file a rebuttal, so I did. In the rebuttal I even provided a police report I filed with my local police department saying my wallet was stolen and unauthorized charges. They denied it almost immediately again. Frustrated I am missing {$1100.00} which was my rent money I reached out. They said I could file a rebuttal again. I did so, and again next day denied. The quickness they denied the claim for {$1100.00} makes it seem like there was not even an investigation. Fed up, I closed my account, still missing {$1100.00} I trusted putting into the account. With that I had to get loans to pay my rent, and they made a final decision of not investigating my dispute. Highly upset. They advised me that they would send me over documentation that would show why they made the decision they made in 10 business days. A month later still no documents showing why they made the decision they made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I am the daughter of XXXX & XXXX XXXX, and authorized by them in Reverse Mortgage Services records to discuss and transact their business on this loan. My father will be XXXX XXXX XXXX soon and suffering with memory loss. 

We have been sending payments and requesting they be applied to the mortgage principal balance on a monthly basis starting on XX/XX/XXXX. This amount from XXXX to XX/XX/XXXX totaled {$11000.00} and NONE of it has been applied to the principal, as shown on the annual Reverse Mortgage statement. We also sent another {$1000.00} in XX/XX/XXXX. It seems the entire amount has been allocated between Mortgage Interest Principal ( MIP ) and interest. Why is there a credit on these two items instead of applying these funds to the principal? How can monies be allocated to interest that is not yet accrued? 

I spoke with two of their representatives today, XXXX and XXXX. XXXX referred me to supervisor XXXX, and XXXX promised to get with another supervisor and call me back today and that did not happen. 

I am sending this letter to the state Attorney General, the Federal Trade Commission, the Consumer Financial Protection Bureau, and the state Banking Regulatory Agency to report this and get further clarification. If this is a legal practice, it should be changed. 

We await your prompt response. Thanks for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: LEXISNEXIS
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis provided a consumer report containing false information [ allegedly, I had a at fault accident in XXXX  ] pertaining to me to XXXX XXXX XXXX XXXX. In turn, the insurance company used the false information to raised the premium of an insurance policy. 

I contacted Lexis Nexis and told it that the information provided to XXXX XXXX XXXX XXXX was false and demanded the removal. Lexis Nexis claimed that it could not verify my identity and refused to provide me a copy of the consumer report ; and, refused to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Been working with irs with an audit for months and still showing on my credit report

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make 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 ) ( l ) 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 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 2023-06-28
Company: National Credit Systems,Inc.
State: TX
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:
I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail. 

National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law. 

Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA.

In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA. 

I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation