BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it XXXX concern, XXXX writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting JPMCB CARD Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-12
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a payday loan in XXXX with AXCSSFN/CNGO which is the secondary collection agency that took over for the original lender and even though I filed bankruptcy in XXXX of XXXX, AXCSSFN/CNGO  put this payday loan account on my XXXX credit report as a current debt that is a charged off. The account with AXCSSFN/CNGO was never a charge off and should reflect included in Bankruptcy. I have disputed this information and they still keep saying that it is accurate. AXCSSFN/CNGO is a collection agency that bought the payday loan from the original lender and they are still trying to collect a debt that has been discharge. I have tried calling AXCSSFN/CNGO and they don't even have a number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NC
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 includes f the accounts below has violated my federally protected consumer rights privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. U.S.C. 1681 section 602 A. Staes I have the right to privacy.

15. U.S.C. 1681 section 604 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 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 2022-05-28
Company: U.S. BANCORP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Greetings!!! 

I, Consumer, XXXX XXXX, entered into a consumer credit transaction with Renasant Bank in XXXX of XXXX. It was later discovered that the financial institution was Elan Financial. A consumer credit transaction in which a finance charge was involved 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Because there was a finance charge used in this consumer credit transaction, there should not have been any cash included, but Elan Financial has taken cash payments. The Finance charge is supposed to include insurance, but I was never informed of my right to the insurance being included in the finance charge. 

To be honest, I have felt blindsided by some of the actions of this company such as contacting my employer and stating that I owed money on the debt which took place in XXXX of XXXX. It was because of that very reason, I wanted to know about my rights as a consumer when it comes to a debt collector. Under 15 USC 1692, its states I have a right to Cease and Desist and a right to validate an alleged debt. On XX/XX/XXXX, I wrote Elan Financial to do just that and they sent me a letter back that blatantly violates my right as consumer.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late f purpose.

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 2023-10-04
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was during COVID. I received help with rental assistance for 2 months rent. I preceded to receive assistance for an additional 3 months rent. Rental manager got upset I was receiving help from government and that the assistance check from government would take a while to be received by apartment ( XXXXXXXX XXXX XXXX  ) in XXXX FL so they decided to throw all my belongings out of my apartment while I was at work and change the locks. I was not given no eviction notice or anything. The collection account is being handled by capstone credit and collection. My lease was up and last 3 months living there I was on month to month but as I was in process to receive assistance from government for rent during COVID she had my items removed and locks change, left me homeless. Crooked apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-22
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX tax assessor and Attorney XXXX XXXX fraudulently illegally shared Tips for Getting Started the National FBI game Forced by XXXX XXXX spends fair housing funds on XXXX plastic cups, XXXX pens, and XXXX keychains Illegally and fraudulently conspiring against awarded permanent citizenship with XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX XXXX aka XXXX XXXX XXXX by 2nd XXXX XXXX state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and Grandchild out of out of house On XX/XX/XXXX XXXX XXXX Sheriff 's Office and XXXX XXXX Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and judge XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , XXXX XXXX Clerk of Court and juvenile intake Center, XXXX XXXX Family court and XXXX XXXX Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm XXXX XXXX, scholarships, SMG Taxes Annual emergency final notification providers management services XXXX XXXX XXXX XXXX medical team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( 575/2013 ) ( CRR ) ( Pillar1 ) and the Pillar 2A capital of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Wealth office mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX family moved to safe storage unit # XXXX due to 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 2022-11-01
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This letter is a response and an additional complaint. To XXXX. 

My complaint mentions ONLY me not having access to my experian credit report for two years. That is again is unacceptable. I also was denied from many lenders for having ZERO credit. I was told they saw no information on my experian report. I applied for a home and was told the exact same thing. They could not get any information from experian report. 

In your reply you mentioned I am currently on a free membership. But failed to mention from your research, that it was due to me not having any updates for the first XXXX months of XXXX. I canceled my membership because no one would fix my profile to show me my score. I watched my score daily. I was very active in assuring my profile was correct. I have spoken to several people at your office, every department. NO one has ever offered to update my address. Back in XX/XX/XXXX I removed every address that was incorrect from my file with a representative on the phone And as you said in your reply, instead your company removed EVERY ADDRESS IN ERROR. NOT MY ERROR. 

I have asked for compensation and you have avoided accountability for the frustration you have caused these last XXXX years. I expect the money back for not having access to my file while paying a membership. And NOW I WANT PAYMENT FOR EACH DENIAL AND EACH PHONE CALL I WAS TOLD TO CALL A DIFFERENT DEPARTMENT CASUING ME TO GO IN CIRCLES. As well AS EACH LAW YOU HAVE BROKEN. 

I now have to dispute items with ( your company ) experian that have already been removed from other bureaus. 

I WILL SETTLE AND ACCEPT COMPENSATION OF {$20000.00} FOR BOTH YEARS OF ALL THE FRUSTRATION. IF YOU DO NOT COMPENSATE ME FOR YOUR ERRORS I WILL HAVE NO CHOICE BUT TO TAKE YOU TO COURT. 

I have recorded phone calls. And all pictures and denials.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 
Both together and separately my consumer rights and privacy rights have been violated by TransUnion, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see attached dispute that I sent and was ignored

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 2023-08-18
Company: Northern Trust Company, The
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened an International Bank account with " Northern Trust Financial Private Bank, Branch in India ( Account No. XXXX ) as I needed to receive funds from a USA based Company against the products supplied by me/my company. 
It was fine I have opened the bank account and thereafter the Bank insisted me to pay the following fee, towards transfer of funds from the account to my local bank in India : - i ) For opening the Bank account I paid $ XXXX XXXX ) For want of RTN Code I paid XXXX XXXX XXXX  ) for want of Conversion I paid XXXX XXXXXXXX TOTAL I paid $ XXXX XXXX paid all the amount {$18000.00} equal to Indian Rupees XXXX LAKHS XXXX XXXX XXXX only to have access to transfer the funds from my this account to the local bank account in India. But now again I have been asked by the Bank to pay a fee of {$3500.00} so that I will be provided with COT Code to transfer funds. 
As it can be seen above, I have already spent around XXXX LAKHS only for the sake of getting permissions to transfer my funds to my own account in India and NOW I DO NOT HAVE MONEY TO PAY {$3500.00} for the same purpose for which I already have paid almost XXXX LAKH INDIAN RUPEES. 
Hence, having sufficient balance in my newly opened International Bank account, as sole owner of the Bank account XXXX in the International Bank , I authorized the Bank to deduct the Local Bank Transfer Charges of {$3500.00} from my bank account and I requested them to provide me the COT Code so that I can make Local bank Transfer. 
But the Bank did not allow me and they are repeatedly insisting me to deposit {$3500.00} to get the COT Code, whereas I am expressing to them my inability to arrange the amount as I have already expended XXXX LAKH RUPEES and also I kept submitting that I have sufficient balance in the said International Bank account.

Till date i.e even after elapse of more than one month from the date of opening the account I have not been provided access to my own account and they are every time asking me to deposit huge amounts to get an access to my own account. So far I have for this purpose paid to the bank {$18000.00} USD equal to Indian Rupees XXXX  Lakhs and even then the Bank is not satisfied and still they are demanding for more money to be paid to allow me to access my own account. 
I have also requested the same through emails to the Bank for help but they are not responding. 
Please enquire into this and do the justice to me whether this much amount shall be the charge that any bank impose on any customer to get access to own accounts. 
Thanks and regards

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 2022-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$22.00}

Company response to consumer: Closed with explanation