BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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, Account # XXXX, has violated my rights. 

Under 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 an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose.

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 2023-02-15
Company: EQUIFAX, INC.
State: OK
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 is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. XXXX is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: MI
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 originally had a XXXX XXXX XXXX credit card with XXXX. XXXX quickly transferred over this card to Wells Fargo. XXXX did not give proper notice over email that automatic payments would be discontinued and the card would fall under Wells Fargo. Therefore, payments were missed for the month of XX/XX/2023, as automatic payments were discontinued without proper notice. I had paid every single month on time previously. As a result, my credit score dropped by XXXX points. As soon as I realized what had happened, I called in and paid my balance in full. I have always paid on time, but because of the poor partnership between XXXX, Wells Fargo, and their customers, a good-standing customer such as myself, who has paid on time every single month, was punished. I want the drop in credit score to be taken off my credit report, as it is not a reflection of who I am as a customer. I will be buying a house with my fiance soon and this drop in credit score has affected my ability to purchase a home.

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 2023-09-04
Company: ACIMA CREDIT, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive disputed this account with XXXX for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor Acima Digital FKA Simple , ( account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my XXXX consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXXXXXX XXXX that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE XXXX XXXX XXXX  XXXXXXXX!!

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 2019-06-21
Company: Servis One, Inc., Titusville, PA Branch
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a Payoff Statement on XX/XX/2019 from BSI Financial Services per their instructions ( on back of mortgage statement ). The payoff statement had unexplained charges for a " Deferred Amount '' of {$2700.00} and for " Late Charges '' of {$250.00}. After speaking with multiple representatives no one at BSI Financial Services can explain the reason for these charges. Two weeks have gone by and BSI Financial Services still has not returned any of my multiple voicemails ( to a supervisor and to my SPOC ) or issued an accurate payoff statement. Now I am at risk of losing a new loan because of the long delay, which will cause me significant financial harm. 

It now has been twelve ( 12 ) business days and BSI Financial Services still has not provided an accurate payoff statement. This is a violation of Regulation Z 1026.36 ( c ) ( 3 ), and is a compliance violation. BSI Financial Services ' compliance violation and failure to provide even a basic minimum standard of service has put me at serious financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WhenI first found out there was a problem is when I called to find out why my mortage payment wasn't taken out of my husband 's account. The ditech rep said that I was 12 months behind on my mortgage. I have been sending in payments every month, so where is this money going? She also informs me that my account has been sent to an attorney for foreclosure. They will not accept any payment. Two days later, I get a letter stating that they have put {$990.00} into a suspense account. A day after that, I get a letter that I owe money to an escrow account, and I notice that the account number on that statement is different from my original account number. I am so fed up with the shady dealings of Ditech. Now they will not accept any payments and are threatening to take my home. Something needs to be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have sent two letters in the mail one sent in XXXX of XXXX and another on XX/XX/XXXX that was sent with certified mail XXXX XXXX XXXX XXXX XXXX XXXX. We told the debt collector that we have no knowledge of the debt and requested invoices to provide. We also tried to call them on the number listed on their invoice but always got disconnected. This company continues to send us a bill and does respond to our letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).

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 2023-09-14
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have now requested several times and attempted several times to get access to what LexisNexis is reporting and they have yet made available the means to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRUIST FINANCIAL CORPORATION
State: MA
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:
Account ending in XXXX with Suntrust bank was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by Suntrust Banks collecting department. 
I have disputed with XXXX  and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.

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 2022-05-13
Company: EQUIFAX, INC.
State: MD
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX h

as 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Bread Financial Holdings, Inc.
State: TX
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 customer service

Complaint:
I spoke to XXXX in fraud department for over an hour on XX/XX/23 about the issue I was having with a dispute. He assured me that he would personally step in and help Me to resolve the issue with my Ulta credit card. He informed me that he would work with disputes and help me to fix the issue. I agreed the first step that he took was shutting down my old credit card and issuing me another one. I called several times with updates on the account and even was refunded the amount I paid on the card. As per law The investigation can last up to two billing cycles ( around 60 days ), but creditors have up to 90 days if your billing cycle is longer. When there's an error, the card issuer must correct it and credit your account for the disputed amount. This is over the amount of time. I also have a recording of XXXX saying he was working my case as dispute and not fraud. He stated that he was a manager and that he would work it. I called back and he was high aggressive in tone stating that he did not say that and that he had other accounts to resolve. I simply requested he listen to the call and he refused saying that he had other duties to attend to. I am complete shocked by this. I called XX/XX/23 Spoke to 2 different managers and told them about the issue that the amount had been removed for over 90 days they told me that there were no other options. I need to contact them by mail if I wanted to file a complaint that they could not file a complaint for me. That someone would get back to me if I wrote in. They do not have a protocol for complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
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 belongs to someone else

Complaint:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX, which date was opened on XX/XX/2018. I have disputed this fraudulent account with Experian and they have not removed this account from my credit report and Experian and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received documents stating that bank of america closed my two checking accounts and two savings accounts on roughly XX/XX/23 due to some undisclosed fraud. I was told I should receive the funds within 4 business days. However, my paycheck was direct deposited on XX/XX/23 so it seems that my account is still active. I am awaiting information on how to receive the remainder of my funds, close to {$3000.00}, but I keep getting the runaround.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
XXXX XXXX SERVICES / XX/XX/2023 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 2023-08-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: KS
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:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ) for you to furnish copies of all documents you used to verify the accounts listed within the XXXX XXXX allowed by FCRA XXXX or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

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