BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CT
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
For years since 2017 I have been disputing with the credit bureaus to remove XXXX XXXX XXXX from my credit report, XXXX has removed this account from my report but Experian I feel is holding my life hostage, I have submitted police reports, complaint letter that was also submitted also, Now this company XXXX XXXX has resubmitted this account again to my credit report so it can stay on there another seven years which is against the law, the account is not mine I filed a Identity fraud report the officer that took the report, I have did this over and over again, I need to be able to move out of where I live, and when they run my credit this company is still on my Experian credit report. This problem started as of XX/XX/2017 and its stated that their is a debt of {$5300.00}, This is Fraud I never lived at this complex, I have no written paperwork or contact with this company and I am demanding this account to be removed from my credit report so I can move forward with my life. Please demand Experian to remove this account from my credit report, I am XXXXXXXX XXXX and have been stressed to the max with this situation.

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 2023-03-22
Company: EQUIFAX, INC.
State: TN
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. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions 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:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.

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 2023-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: TN
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:
Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

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 2023-03-10
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 sent a compaint to trans union on XX/XX/2023 Complaint # XXXX and instead of removing the accounts that were in correct they basically just changed the dates around and made my account worse and added dates of payments that make no sense when i was not even a customer with their company, they should have just removed the accounts like the law states because i have proved the accounts were inaccurate just remove it or go to court and i will sue for all the pain and XXXX this has caused because you guys dont want to foloow the law, i have the proof in black and white and the law is in black and white so why are you guys not upholding the law on my behalf.

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 2020-07-16
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2023-12-02
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2023 I received a letter from I. C. System, Inc. stating I owed {$310.00} to XXXX XXXX  and I. C. System, Inc. was a debt collector trying to collect XXXX XXXX  debt. I called them and found out that XXXX XXXX  was XXXX XXXX XXXX XXXX cell phone. I was also told that it was a commercial account. The phone number is supposed to be XXXX. 

I. C. System, Inc. recommended that I contact XXXX XXXX XXXX at the website XXXX XXXX XXXX  My browser will not let me connect to that site. It tells me that it is an unsafe site. 

I called XXXX XXXX XXXX Cell phone and they told me to write this note to their abuse email. I am also sending a copy to the FTC at www.consumer.ftc.gov and to the XXXX  attorney General web site. 

I have never had an XXXX XXXX XXXX XXXX  cell phone. I have never had a cell phone with the number XXXX. I have never had a commercial phone account. I have never received a bill from XXXX XXXX XXXX cell phone company. 

Somebody is illegally trying to obtain money from me under false pretenses. Please remove my contact information from this bill and contact the major credit bureaus about this fraud attempt and to remove any negative information about this so called debt. 

Cordially, 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 2020-07-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get 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 2023-11-30
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Purchased a motorcycle from Yamaha Motor Finance. The account information was put in my husband 's email and phone number so I could not access the account. My husband died on the motorcycle XX/XX/2023. The insurance company sent multiple checks to Yamaha Motor Finance to pay for the motorcycle as it was totaled. Yamaha motor finance lost the checks and waited months to apply them to my account. Upon inquiring with their customer service, they had no idea who sent the checks, and they weren't accounted for on my account. Multiple service representatives hung up on me during my time of grief when I tried to explain my case. I was led to believe no one was qualified to update the late payments to reflect as accurate information on my consumer report. Still to this day after multiple attempts the company refuses to hear my case or transfer me to someone who can help. Also, the company refuses to disclose names of supervisors they are correlating with while as I'm on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
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. 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. 

XXXX XXXX XXXX has been separately been sent an affidavit of truth in regards to their credit notice ( s ), and should NOT be listed at all on my report. SEE ATTACHED DOCUMENTS FOR DETAILS

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 2023-11-29
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid them {$6800.00}, they took the money out didnt pay the principal not the the fees, they took the {$2000.00} aside just missing, and they charged me 230 % apr in 1 year, they took 460 % apr within 1.75 years, they deleted my website history payments, I worked when was the lockdown and made every signle paymnet, and recently I found they stole some money out and only put 14 % toward the princial, this is in their balance sheet I had to get through the judge, and the balance sheet number don't add up, it's a hand typed, the calculations dose n't add up, start ending balance shows XXXX, if you calculade XXXXXXXX XXXX is missing out out of my payment, I paid {$6800.00}, they only put 14 % toward the principal within 1.75 year, like 8-9 %, they forged this sheed asking me I have to pay XXXX XXXX, yearly intrest of 230 %, and so on, but they are taking the money out and didn't put more than 10 % towards the princial, they are soo rude they have this delivered to the judge it's a forgery document ( hand put together ), and 230 % apr and 9 % towards my princial its ilegal, florida statues XXXX XXXX for 18 % max not 230 % apr and money stolen out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I turned in an application for a mortgage loan at BBVA Compass Bank on XX/XX/2018 and was told a loan officer would contact us to help us figure out which type of loan would be best for us to apply for. On XX/XX/2018 I received alerts from XXXX that the bank had ran my credit. I expected some form of communication from the loan officer. He never called or emailed us one time, yet ran the hard inquiries on our credit and denied us the loan, stating delinquencies on credit report. I have no delinquencies on my credit report. We then talked to the local bank manager later in the week to see if the loan officer would at least speak with us one time. We were told he would call us but he never did. We then called BBVA Compass corporate office on XX/XX/2018 and was told to call the Alabama Department of Banking. When we called the DOB, they said to email them what happened and that they would take the hard inquires off our credit since the loan officer did not even contact us one time, nor do we even know which type of loan he applied us for. We were told we would be hearing from them soon but it's been a week. We want to know why the loan officer refused to communicate with us. We want to know why this happened and why our application was looked over and if factors such as XXXX and low income played a factor in the loan officer 's refusal to communicate with us and take our application seriously. We believe we at least have a right to know which type of loan the loan officer applied for. We would like BBVA Compass Bank to know that we strongly believe we were treated very unfairly throughout the mortgage application process, and that we will seek legal counsel to find out information such as the type of loan the loan officer applied for, if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX XXXX Credit Card through Comenity Capital. My account is up to date, I requested a credit limit increase and thats when I was informed that my account had been closed 3 months ago. I was never notified, not even by mail. I have called multiple times to pay my bill and ask questions never was I informed the account was even closed! My account was closed due to XXXX XXXX ending. On my current credit report it is showing for the last 3 months that I am passed due but that is entirely not the case I have Paid all 3 months way ahead of time and over the minimum payment. I have reached out to Comenty for some answers and they are telling me I have to reach out to my credit bureau for answers. 

I am seeing all over their facebook page that this is an issue and I really want some answers. I dont think its fair that people are getting reported on their credit score for past due payments, and their credit history being taken away now that this card program is closing. They are a terrible company and I have had issues with them and their business since day XXXX and their are thousands of other people that have the same issue. 

I believe they scam people. I have had the card for 2 years and of those 2 years I have had to correct their mistakes at least 9 times that I can remember. They have issued payments onto my account that I have not consented to or granted access to. I have had to be refunded numerous times because they take out double what I paid. They Have reported me to the credit bureau quite a few times for being passed due because my due date was the XXXX of the month and because it comes out through my account I guess they dont receive the actual money for 1-2 business days, so then they give me a late fee and report it as late. 

Just yesterday XXXX I noticed a random payment on my account for {$100.00}. It stated " XXXX XXXX OH XXXX XXXX, '' and was listed as pending. I called about this and the man on the phone told me he didnt know what it was and that he wasnt seeing it. He had to put me on hold like 5 times and could never actually answer my question and basically told me he couldnt help me and it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 initiated an online dispute on XX/XX/2018 for 6 accounts in collection for reporting inaccurate dates and balances and 4 belonging to the same company that was paid off by my insurance. The dispute results of these accounts were found to be accurate and/or updated. I have verifiable proof to have the accounts on my credit file corrected and deleted. 

1 ) XXXX XXXX XXXX # XXXX This account has been re-aged and is reporting this account a year off of that in which the original creditor XXXX XXXX has on file. 

2 ) XXXX XXXX # XXXX a ) XXXX XXXX # XXXX b ) XXXX XXXX # XXXX c ) XXXX XXXX # XXXX These accounts are reporting on my file when they have been paid off in full by my insurance company as a result of a workplace accident. My insurance company verified this and is sending me the billing summaries as proof that these accounts were paid in full. 

3 ) XXXX XXXX # XXXX Reporting the wrong total balance. I have proof from Urgent Care with the total balance of this account is {$94.00}. I also paid {$15.00} on XX/XX/2018. 

TransUnion has done a very poor job into the investigation of my disputes knowingly allowing inaccuracies to remain on my personal credit report. TransUnion has failed to provide me with a fair dispute and as a result have damaged my credit. I believe TransUnion never even looked into my disputes and allowed these debt buyers to illegally report innacuracies knowing the information they had provided to TransUnion was not truthful, those TransUnion is at fault for not properly investigating.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: PA
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 Acct # XXXX ( Opened XXXX ) XXXX XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX ( OPENED XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation