BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is EXPERIAN 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that EXPERIAN only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

EXPERIAN is reporting 5 late payments, 90 days delinquent on the XXXX XXXX XXXX  accounts. ALL 5 accounts beginning in : 6418 All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. These items shall also be REMOVED as any form of DELINQUENCY or DEROGATORY events. Furthermore, persuant to 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 any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, EXPERIAN is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided EXPERIAN with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I discovered that Trans Union have added creditor XXXX XXXX to my consumer report that I have no credit with on XX/XX/2022. I extended my credit to XXXX. As a federally protected consumer the CFPB 3.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Trans Union did not notify me that this item would be added to my consumer reporting. This item is already in dispute so no reporting should be reported. As a consumer report you suppose to report accurate information. Trans Union has failed to provide that correct information. XXXX is not the original creditor of this alleged debt.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-01-30
Company: EQUIFAX, INC.
State: VA
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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX account number : 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 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. 1681 section 2 ( a ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX I opened a XXXX credit card with XXXX XXXX. Since then I have had exceptional payment history thats not being reported by Equifax. 

I reached out to XXXX XXXX and they told me they are reporting this account to Equifax. 

Equifax is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: WA
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX 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 2023-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is attempting to collect an alleged debt not due. Portfolio Recovery has no contract between I and them to enforce performance. The original creditor of the account has accepted settlement of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: STERLING JEWELERS, 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:
recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised. 
I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I received notification from the creditor that they couldnt find record of this account, so how did you come back and say that it was verified as accurate? Unverified and illegal reporting, remove the following account from my credit report immediately : 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AGAIN, I SEE- what you obviously cant. 

Laws- that require a bank in this case, to have to answer accordingly. 

Just because I owed SACS accredited colleges, allowing me to teach yes even law. 
As I tried and tried, in REAL TIME- as the so called mishandling was killing us. 

Even that generalized statement- of mishandling XXXX XXXX XXXX had to be FORCED OUT under my evidence to the federal CFPB. 
FORGET my accredited colleges- I tried to stop ALL MISHANDLING- by SHOWING the laws- to BOA XXXX- who proudly stated BOA COMPLIANCE WAS INSTRUCTING HIM TO HUMILIATE DISCRIMINATE AND NOT ALLOW ME TO VIEW MY FEDERALLY PROTECTED ACCOUNTS NOR GET A XXXX. 

Im not required to TEACH Bank of America laws. Never was never should of ever tried, all it lead to was more self incrimination and over obvious-

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 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a free-fee checking account with Bank of America (  BOA ) since XX/XX/2012. Basically, I don't need to pay the maintenance fee for this account even if the fund is lower than {$1500.00}. And in past years, I didn't receive any maintenance fee charge for this account.But when I checked my statement yesterday, I found I had been charged {$12.00} maintenance fee since XXXX, and had been charged 5 times, {$60.00} in total. 
So I called the customer service to figure out what happened. Then the agent told me, in XXXX, BOA converted the free checking account to e-bank, and customers would be charged for {$12.00} maintenence fee if the fund was lower than {$1500.00}. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox ). Then I was told the policy change was printed in the statement in XXXX. 
This is totally reckless and arbitrary. If the bank wants to do the change, which will potentially damage customers benefits, it should notify customers in a more direct and transparent way. It's hard for me to find the information on the long and wordy statement, especially given the fact that the account is used heavily.

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 2023-05-29
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:
I submitted documents and letters showing inaccurate information. 
Accounts show different open dates, and amounts. 
report not showing correct name and address.

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 2022-01-28
Company: Duncan Solutions, lnc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC violated my consumer rights and contacted me about a debt without my written consent which is a direct violation of the FDCPA 15 USC 1692c ( a ). The communication that was sent was abusive, profane and obscene to me the hearer and reader which is a direct violation of the FDCPA 15 USC 1692d ( 2 ). The communication that was sent did not have documentary material as defined by congress showing proof of this alleged debt. I sent PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC a debt validation letter and a cease and desist by certified mail with a green return receipt on XXXX and it was received on XXXX. I disputed the validity of the alleged debt and I refused to pay pursuant to 15 USC 1692g. I demanded all unfair communication to cease and an audit trail pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ) ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) be provided.

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 2020-08-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried to contact Barclays Bank to obtain physical proof of the 5 late payments that are posted on my account with them. It has been over 30 days and I have yet to receive a response to my request. Also was not notified of my late payment status withe creditor.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and found multiple addresses that didnt belong to me

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 2023-07-07
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Our company uses Wise.com to pay our international team members. One of our new employees that we tried to set up had there account deactivated. Our employee was not told why and created an appeal as told to by Wise.com. It has been XXXX business days and there is still no resolution or reason as to why their account was deactivated. The appeal was put in XX/XX/2023. I have contacted them several times to see what we can do on our end to push this along but they will not assist as it is not my account. I have asked them what they are doing and how I am to handle this should this happen to a future employee to be told to have the employee contact them. Nothing for the business side of things to help with. The employee has been contacting them on a daily basis only to get told after 23 days to submit another appeal. Still no information or guidance on how to fix the account other than NOT to open a new one as it would be flagged and cause more issues. So we wait. Still waiting with no help what-so-ever. This is very frustrating and will result in us taking our business elsewhere if this is not resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i have recently purchase a credit report from XXXX, equifax, XXXX please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I made a payment through the Bank 's website, today XX/XX/XXXX payment has not been applied called 2 days ago and spoke to someone by the name of XXXX XXXX and she informed me that she would notify the company that processes it, this morning I checked the account and nothing has been posted yet, I decided to email XXXX XXXX and she had no idea why they haven't applied the payment, this is not the first time this is happening so I decided to take action.

Company response to consumer: Closed with explanation