BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: American First Finance, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX consumer which is Me contacted American First Finance to inquire about the 1009c that was filed under my social and account number via the UNITED STATES TREASURY OFFICE. AMERICAN FIRST HAS CANCELLED THE DEBT VIA THE 1009C YET IS REPORTING DEBT AS OWED. DUE TO THE BANKRUPTCY ACT OF 1933 AND THE TRUSTEE INDENTURE ACT ALL DEBTS ARE THE RESPONSIBILTY OF THE UNITED STATED VIA TITLE 18 USC 8.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

AMERICAN FIRST IS COMMINTING FRAUD ON CONSUMERS OF THE UNITED STATES AS THIS ACCOUNT WAS FOR HOUSEHOLD PRIMARY GOODS. AMERICAN FIRST HAS LISTED ACCOUNT AS RETAIL INSTALLEMENT AGREEMENT WHICH IS INCCORRECT AS IT WAS A CREDIT SALE PER THE LAW. 
AMERICAN FIRST HAS CHARGED THE DEBT OFF ON ITS TAX ROLE AND COLLECTED VIA THE 1099A AND 1099C. AMERICAN FIRST AND ALL PARTIES ARE COMMITTING FRAUD. 
THE CONSUMER CREDIT CONTRACT ALSO LACKS THE REQUIRED NOTICE PER THE LAW : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
( c ) Compliance with the requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Vital Solutions, Inc.
State: VA
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 had an ongoing issue with XXXX XXXX XXXX XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with Vital Recovery Services which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or XXXX to say that it was complete. During this time, XXXX was still sending me statements showing I owed money and I was working with Vital Recovery too. Long story short, I paid Vital Recovery 2 payments of {$1200.00}. XXXX is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX and I am a victim of Identity Theft. I have two XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also two inquiries that aren't mine XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.

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 2022-10-10
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
opened XXXX original creditor XXXX XXXX XXXX XXXX and Telerecovery owns the debt now I will use laws to remove this debt from my credit report : Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S Code 1681 C-1 Section 605 B 15 U.S Code 1681 C-2

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 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly. I am writing to file a formal complaint against the credit reporting agency ( CRAs ) Experian regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Experian have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letter to Experian disputing the accuracy and compliance of information reported by XXXX XXXX XXXX XXXX XXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Experian responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Experian Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned about the Experian apparent lack of vigilance in upholding the integrity of the credit reporting system. Experian plays a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Experian failure to accurately report non-compliant information has led to severe financial and personal repercussions. 

| Reporting Discrepancies | XXXX | XXXX | Experian | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | | Reported On Record To | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per XXXX ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per Experian ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | - | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | XX/XX/XXXX | - | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - | | 120 Days Late in | XX/XX/XXXX | 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 2023-07-13
Company: Experian Information Solutions Inc.
State: VA
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 Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Experian Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are derogatory remarks on my three credit reports as reported by XXXX from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with XXXX so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: MA
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:
Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank XXXX XXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX XXXXhecking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Have had issues with Caliber Home Loans from the beginning ( XX/XX/XXXX ). When a representative is finally contacted, customers are sent to different " departments '' or need to get answers from " another department ''. I contacted the company about removing PMI, as the loan to value ratio was at 75 %. I paid the {$100.00} BPO fee. after several weeks, I received a letter stating they could not access my property. The property address is XXXX XXXX XXXX, and it is just that. An island accessible only by boat, from a private citizen. I fully explained this to the company multiple times prior to this. The company then wanted me to go to a third party website for XXXX, a company that does remote appraisals/evaluations. After several unsuccessful attempts to do that, I again contacted Caliber, and asked the representative to email me specific instructions for the process, and was told they don't email. Yet I get emails from Caliber regularly wanting me to refinance. This process has been going on since XX/XX/XXXX. I've spoken to no less than 6 people about this, including supervisors, who have promised to get answers and get back to me. No call has ever been returned from this company. Out of sheer frustration and disgust, I refinanced the property with another company. I have still not received the refund of the BPO fee. The company has notified me in writing, as well as several times on the phone, that they will refund the BPO fee, yet nobody can figure out " where it is '' to refund it. I'm tired of the 6 month runaround over {$100.00}. The company refuses to take any action, I hope this agency can help. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I issued a wire transfer in the amount of {$50000.00} from my XXXX  XXXX XXXX account to my supplier 's account at Wells Fargo bank. The same day XXXX issued a reversal order because I realized I had issued the transfer to the wrong account. 

My supplier was only notified of the reversal 17 days later. They agreed to the reversal immediately and now, 45 days later the reversal has still not taken place. And there has been zero written communication from either bank. 
We have filed a complaint against XXXX XXXX XXXX and now we are filing one against Wells Fargo

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account ending in : XXXX To Whom It May Concern : On XX/XX/2013, I made an uninformed decision when I entered in this consumer credit transaction when there was no evidence of indebtedness. The only evidence of the debt was the agreement but that agreement is null and void because i did not understand its meaning, it was not clear and conspicuous according to 15 USC 1601 ( A ). 15 USC 1602 ( K ) also states that such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Bank of America has taken of advantage of me and violated 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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.

Company response to consumer: Closed with explanation