BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NY
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 sent several letters asking to remove some items from my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX 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. 

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft.

15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Alternative Collections LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alternative Collections, LLC, which also does business as Alternative Collection XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: AR
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:
Experian, please be advised that this dispute concerning the bankruptcy case XXXX is not a dispute based on rather I actually filed the bankruptcy or not, but this is a dispute based on the facts that the bankruptcy you are reporting on my credit report was improperly obtained, which makes the bankruptcy evidence inadmissible for you to report, be advised that I am not denying that I filed the bankruptcy case XXXX. In court of law when evidence is inadmissible it can not be used. Attached to this dispute is a letter from XXXX, which is the consumer reporting agency that you obtained the bankruptcy information from that you are reporting on my credit report. You will notice that the letter from XXXX states that they removed the bankruptcy case XXXX from my XXXX file, because they were not able to give me a proper method in which they obtained the bankruptcy information they reported to you. Since the 3rd party source, you got your information from deleted the bankruptcy from their file, you are obligated under law to delete the bankruptcy from my credit report, otherwise you are reporting inadmissible evidence, which is a violation of the XXXX and FCRA law. In your last response you sent me, you indicated that I could dispute with the source that you obtained the information from, and now I am showing you that the source you got your information from has removed the bankruptcy from my file. I expect for you to remove the bankruptcy you are reporting on my credit report, otherwise I will be forced to initiate a lawsuit with all the documented evidence I have. 

Also, be advised attached to this complaint is another letter from Experian stating that they tried communicating with Experian, but Experian never responded. 

Please few all documented proof that is attached to this 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 2022-11-04
Company: EQUIFAX, INC.
State: MI
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Weber & Olcese, PLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am already being garnished from this law firm. They continue to add over {$100.00} in charges on my credit report after submitting a {$1200.00} balance to my employer. 
They are falsifying the balance owed on my credit report. My credit report now shows a balance owing of {$1300.00}. 
Furthermore, I am a XXXX XXXX XXXX XXXX. I really hope this company is proud of themselves garnishing a XXXX XXXX XXXX XXXX  on a bill that had been overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   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 2022-04-06
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:
Three of my credit reports ( XXXX, Experian and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX Bank XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX Bank with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX Bank where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.

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: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$600.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name XXXX XXXX XXXX  Acount number XXXX Date Opened XX/XX/ Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX  Account Name : XXXX XXXX XXXX  Account number XXXX Date opened : XX/XX/ All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate.

I have been in touch with all three credit card companies and they have all agreed to remove the late payments.

I have tried over and over to get document from each regarding the removal of the late payments with no success.

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 2021-08-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I upgraded my Amex Gold card to an Amex XXXX  card in XX/XX/2021 upon receiving the following upgrade offer : - Spend {$2000.00} within six months and get XXXX Membership Rewards points - Earn an additional 9x Membership Rewards, up to {$15000.00} in spend, at grocery stores for a total of 10x Membership Rewards I completed both of these requirements in XX/XX/2021. Representatives via phone and chat have confirmed that the offer is attached to my account and I should have received the points. Terms of the offer state that I should have received the points within 8-12 weeks of purchase. That timeframe passed in XX/XX/2021, and I subsequently opened an investigation with American Express. The company has not responded to my requests for an update, and has not posted any bonus points. The total bonus points due are XXXX + XXXX ( 9 x {$15000.00} at grocery ) for a total of XXXX Membership Rewards points. 

I am asking the CFPB to contact American Express for an official response. No more investigations. The points should be posted in accordance with the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  IXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hi, I attempted to apply for insurance with XXXX and they mentioned that I had a consumer claim, so I went to investigate and it was a claim under Lexis Nexis company. I asked for my information so I can try to dispute it if its wrong. After searching the information, I found out that my dad signed my name as policy holder for insurance with XXXX XXXX, along with himself, my mom, and my younger sister XXXX. My sister had a car accident in the past, and under Lexis Nexis report, the claim for some reason, is under my name instead of her, so I went ahead and tried to dispute it. 

I sent them an email with screenshots of the claim info and the insurance info and stating that the claim is under my name but it is my sister and her car that are registered under the accident so I would like to dispute. Email was sent around XX/XX/2023. I got an auto reply back mentioning their site and that they have started the record and so on. I then noticed that it asked for other information like my driver license and car information so I went ahead and sent my info again on XX/XX/2023. 

Till today, XX/XX/2023, they still have not replied to me, all I get are auto replies from them when I submit anything and I urgently need them to reply and help me dispute it so I can move ahead and get my car insurance without delays or cancellations due to this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2017-05-16
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for  XXXX   XXXX  at the end  of 2015. A fter falling into financial hard times, I tried to work with them to end my contract. I was later sent messages from an employee named  XXXX  who said he got someone to take over my contract. I never heard anything else from them. Now I am receiving collection bills saying I owe over {$1300.00}. I was given false information from the company and now they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of XX/XX/26 my bank account has been locked. USAA claims it is fraud while all my deposits and purchases are clearly identified on the transactions page as well as me calling them and verifying myself.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NJ
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 file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
On XX/XX/XXXX I contacted Equifax about the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation