BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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 XXXX XXXX has found that Experian has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Experian that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Experian nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Experian through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX. Legally I must send in a legal document stating that I am allowing permission but I never did and Experian does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.

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: IL
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:
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) and the XXXX Credit Bureaus ; XXXX, XXXX, and Equifax. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), Equifax ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between Equifax and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: LA
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-19
Company: TD BANK US HOLDING COMPANY
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, 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 a open end consumer credit plan as late for gal purpose.

5

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-24
Company: Circle Internet Financial
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX I recieved email offering me crypto loan through Poloniex to be used in trading I inquired about loan and was asking about loan terms and restrictions. While I was asking my questions about terms and restrictions I found terms were unacceptable for me and I informed the operator that the terms would not work for me. During this conversation she apartently was processing the " loan '' during the middle of conversation she informed me loan was processed. Even though I informed her several times terms were unacceptable. She insisted I had to take loan and she could not cancel loan even though I was refusing loan as terms were unacceptable. We carried on conversation for long period of time where I advised her I was filing complaint with you and any action I could in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Financial information was given out without my permission and funds were never available therefore I want to sue bank of America

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: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing this complaint regarding my checking account ending in XXXX at Navy Federal Credit Union. I have tried several times to resolve An issue regarding returned item fees with Navy Federal directly. Now, almost daily, new fees are being assessed that are related to recurring debit transactions that have been in place and now they are assessing them as ACH transactions. It seems this is being done to assess more returned item fees. This all began, once I made mention of filing a complaint with the CFPB upon speaking to a telephone representative and a supervisor whom acknowledged the error and proceeded to still place blame on me for not calling within 60 days. Initially, when I explained that I had just recovered from some personal health and family matters, I was told that I was to have reviewed my statements within 60 days and that any fees they waived were a courtesy and they did not have to waive them. I was also told that just like there are laws to protect consumers, there are laws that help banks also. Once I asked the policy, the supervisor stated that if the funds are not available the end of day for a transaction, then a returned item fee is assessed the following business day. I have been a customer of NFCU for a long time and I can not even make my credit card payment due to my account keep having new fees. In the messaging center, I pointed out that I hadnt received notices about anything for several of the months in question, now they make sure I receive a message everyday about a new fee and dont try to resolve my requests to look into my original issue. 

I have attached copies of each statements that have fees in question. I will also attach screenshots of my communication with NFCU through their apps messaging center to document my attempts to resolve. I do not have any phone records but I called from the phone number on my account each time. Thank you for taking the time out to review my inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I respectfully seek the assistance of the CFPB in resolving the matter concerning the two remaining fraudulent inquiries. Previously, I had written to the Experian and XXXX Credit Bureaus to request the removal of these inquiries due to their fraudulent nature. This submission serves as a subsequent follow-up to that initial complaint. I am optimistic that during the upcoming update of my credit reports, the Experian and XXXX Credit Bureaus will ultimately eliminate the two specific inquiries I've outlined below. Kindly review the following inquiries that require urgent attention for removal : EXPERIAN : 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted transition and XXXX and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. Transition and XXXX need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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 these companies listed below, 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 XXXX  ( Acc # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX would like to also add that XXXX XXXX XXXX and XXXX XXXX are reporting from the same creditor as well.

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: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: AZ
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:
In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address. 

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-05-09
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
on XX/XX/XXXX, I have made a loan with BMW Financial Service. I'm in a good standing paying customer. The account is XXXX. This loan is suppose to mature in XX/XX/XXXX. Since today, XX/XX/XXXX, I've

officially pay off the loan via ACH transfer, which I've done so for past years as their customer. Yet, they will not release the loan due to ACH transfer is not a source of verified fund. I've been paying from the same source for the past 5 years on different accounts of loan with BMW FS. I do not think they are treating my right for pre-terminated the loan equally. I've attached a screen shot of my loan has satisfied for your reference.

Company response to consumer: Closed with explanation