BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CO
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 U.S.C 1681. 

XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All collection accounts listed above should be deleted immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: Tate and Kirlin Assoc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 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 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  Open Date XX/XX/2021 Balance : {$370.00}

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 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 non-monetary relief
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on XX/XX/XXXX on my condo. I couldnt close on the XXXX of XXXX. I paid off over XXXX to Wells Fargo on XXXX. I sold my condo for XXXX. XXXX would think I wouldnt have PMI with that ratio. But, it was simpler to sell my condo than try to get PMI removed!!! Wells and other banks do not make it easy to remove PMI. Btw, my credit score is above XXXX and never missed a payment for over 14 years. I refid in XXXX to get a lower rate. And, still wasnt under the 80 % ratio at the time. My issue is that Wells Fargo charged me another {$95.00} for XXXX after closing and tell me that it is pro-rated and wont refund me that money. Just another jab to get more money! I believe this is criminal! Ironically, I couldnt refi now because it wouldnt be profitable for a lender!! The entire PMI practice is a scam. Why doesnt it automatically drop off? I was told last year that it would stop in XXXX if going by original value to loan. But, that didnt happen. I shouldnt have to pay anything to get PMI removed.

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 2021-08-12
Company: EQUIFAX, INC.
State: PA
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 recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was involved in a scam/ fraud due to imposter & authorized push scam/ fraud of {$500.00} payment through XXXX. Immediately after I sent payment I contacted my bank and told them about what happened and they told me its unlikely I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
My legal name is XXXX XXXX. I was assaulted on both XX/XX/XXXX and XX/XX/XXXX because this company released my funds to a merchant. Do you Cashapp deny that the merchant these funds were released to had to be cancelled by the merchant because they were posted therefore released to the merchant? 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Mercedes Benz Financial Services
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Mercedes Benz Financial Services Fraud department placed a block on my account and restricting me or XXXX customer to take payments from me and removed my auto pay from my account. I called the fraud department and talk to XXXX and XXXX and they both stated I was not able to make payments to my account until its cleared from fraud. So I mailed payments to them and a week later XXXX account receivables sends them back and I call every single day to make a payment and customer services says it want let me apply any payments towards your account! Superviser from Customer Service also documented this account heavily that I was trying to pay but fraud had my account blocked and no one can make payments! So XXXX XX/XX/2023 I got a call from customer service with XXXX saying that the fraud department removed the block and now all payments are no allowed to me processed. so I made all payments and 3 payments ahead. but now they put a 30 day late of my credit file and I wasn't late and was told I wouldn't be responsible for payments until the fraud department releases the block. This is so wrong to block someones account and collect there money and then put a 30 day late on your report when they wouldn't take payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" ENHANCED RECOVERY '' Account # XXXX at XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Has been sending me collection notices in the amount of {$510.00}. The collection has been reported as pass due balance. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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:
XXXX XXXX  ( Paid in Full ) {$130.00} XXXX/XXXX  XXXX  ( Never Late ) {$4700.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-01-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XXXX XXXX I made the purchase of the XXXX XXXX XXXX for XXXX with a XXXX down payment. However looking at my contract I don't think my down payment was subtracted from my original financed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer ReportinXXXX agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: PA
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:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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 information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2023 I sent off a dispute letter to Equifax regarding an inquiry listed on my credit report and I asked that an investigation be done to verify this information being report is 100 % accurate according the FCRA. 

On XXXX XXXX I received a letter back stating that particular inquiry was removed, however, it is still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I submitted a dispute to XXXX, I never received a letter from XXXX with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per XXXX agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from XXXX with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with Experian, XXXX  and XXXX. 
On XX/XX/XXXX I received a notification from Experian that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( XXXX ) has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in Experian Credit report about Public Records : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX 

XXXX and Experian and playing games with the consumers, when I called XXXX about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to Experian and any other credit bureau. But when I call Experian they say that XXXX is the one verifying and reporting the Bankruptcy to my Experian Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.

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 2023-06-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I called the credit reporting agencies including XXXX, Experian, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave Experian, XXXX or XXXX permission to put the following accounts XXXX XXXX  ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, Experian, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A.

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 Simple bank accounts were migrated to use BBVAs system. During the transition, computer systems failed and locked customers out of their account. An error message stated to call a toll free number, which when called disconnected after a short while on hold. There is nobody to speak with and I cant access my bank account. It is unlikely I will be able to speak with a customer representative in the next few days as thousands, maybe tens of thousands of customers go through the same process to have their account unlocked. This is a very poorly managed transition without recourse.

Company response to consumer: Closed with explanation