BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF 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 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Bank of America and it was charged off last year ..... I filed bankruptcy and it was discharged on last year .... so internal revenue sent me a refund and it ended up in my closed account back in XX/XX/2023 ... .. Bank of America was sending me Bank statement about the funds so I reached out to them and I'm getting the run around about why they can't release my income tax that are sitting in a closed account ..... This account been closed since last year ... ... Can someone help me with this issue please ...... 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 monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX  Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX points. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 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 an 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 2021-03-16
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: FORD MOTOR CREDIT CO.
State: MI
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:
The car a XXXX XXXX XXXX  was defective. The company issued a recall for the brakes in XX/XX/XXXX. I went to the dealership XXXX XXXX and they said they did not have the part but it was safe to drive. I went there twice but they said they did not have the parts, On XX/XX/XXXX I had a very bad accident I had to be cut out of the car. The person that was siding with me was injured. I suffered a very bad XXXX  and XXXX  injury. And it is still bothering me. The accident was caused by defective brakes the same recall that was issued for the car. I had to be cut out of the car. I almost died. Now Ford Credit is putting that I owe them {$650.00}. Now I can not drive anymore and I have to be taken every where. I want this off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a claim with Wells Fargo claiming they committed fraud back in 2015 when Wells Fargo was refusing modifications and that is why numerous people have lost their homes. 
Wells Fargo told me they would get back to me when they concluded the investigation. 
Well it has been a year now and all they did was threaten foreclosure on my fianc 's home and threaten to throw her to the street and never did they answer our concerns. I had to end up buying the home in order to save this house, meanwhile Wells Fargo XXXX  my fianc and never answered us.

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 2020-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/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 2023-07-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My landlord, before she got fired stole my money order for my rent and went and cashed it herself and kept it. I have been with bank of the west for 5 years they have seen me there once or twice a mo th for five years but let an unauthorized transaction take place when my name was on the check they did not call me or anything. I have an ongoing police investigation and a detective looking into everything. I have tons of proof this is complete fraud and bank of the west refuses to reimburse my money which was XXXX dollars. XXXX the main XXXX  XXXX refused to give me any paperwork or her supervisors number. She refuses to give me my money back even with all the proof of fraud. I am very concerned people who work at this branch are committing acts of fraud. Why would they allow such a transaction to take place and then not even reimburse it? I do not know which way to go but the people who work there and my landlord need to be held accountable for there actions. Please someone call me. XXXX XXXX XXXX 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 2021-03-16
Company: American Coradius International LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I was sent a collection letter from American Coradius International LLC for {$170.00}. Upon research, they provided no proof of charge for the account. There was no consent to this collection at all. They did not provide me with any signature or proof this was on my account. According to the FCRA, The American Coradius International LLC has violated my rights as a consumer. I am requesting legal action to remove my collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Mobile Deposit were deposited on XX/XX/XXXX. I was told it should only take a day or two. I called in and was told by a representative that it was accepted and it would be approved today. I also asked if they could release {$200.00} dollars in funds and the rep told me he would escalate it over and someone would reach out. I called in again and was told the other representative lied to me. After being on the phone for a hour and a half and speaking with 4 people the supervisor told me I had to wait until XX/XX/XXXX for the funds to be deposited. Because I dont even have a dollar to my name I asked for them to cancel the mobile deposit so I could go cash the check and they told me no. So even though they wont release funds they want stop the mobile deposit. I dont know what Im gon na do for the next week and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report.

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

The consumer reporting agencies are violating my consumer rights.

They stated that the information was acquired from a third party source and shared without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Jefferson Capital Systems to stop calling they won't. I have asked them to stop sending me letters in the mail and asked them to co firm the debt they claim I owe but they don't. They harass me to a point that it is causing me sleep and I can't even keep my phone ringer turned up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for Capital One Spark Business Credit in XXXX. I was given an offer of 0 % APR for 12 months. I took advantage of that. I called Capital One to check when the 12 months expire and what is the last date to pay the statement balance in full, so that I do not get charges for any interest. They gave me a date of XX/XX/XXXX. I put a reminder in my Calendar to pay the balance in full on XX/XX/XXXX. But when I logged in XX/XX/XXXX, I noticed two interest charges on XXXX and XXXX. So I called them and they are saying that I was given the wrong information and there is nothing they can do to reverse the interest charges. I also said that all calls are recorded on their end. Why can't they pull the card records and investigate this and they said, they don't have the ability to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX credit card balance is still being reported in my credit report even though I paid the debt via collection agency for XXXX. Settled the debt and paid XX/XX/2021. They continue to report a negative balance and late payments. Requesting late payments be deleted and balance reflected as {$0.00} and/ or deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. 
I contacted Experian by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
Experian Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax must comply with my many previous written instructions to remove the inaccurate and harmful information from my consumer credit report, in accordance with the cingressional laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is the mistake,, XXXX  is reporting a wrong account in my credit report, they can not bring me enough information about this account.. i dont recognize this account as mine ....

Company response to consumer: Closed with explanation