BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX  XXXX -XXXX  XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX -XXXX  XXXX - 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.

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 2022-06-20
Company: EQUIFAX, INC.
State: GA
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 Accounts : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XX/XX/XXXX XX/XX/2021 XXXX XXXXXX/XX/XXXXE XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAXXX/XX/XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Under 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. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Accounts : 1. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX  XX/XX/2021 TRANSUNION XXXXXXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TRANSUNION XXXX XXXX XX/XX/2021 TRANSUNION, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

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 non-monetary relief
Consumer complaint received 2023-02-07
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I XXXXXXXX XXXX with account number XXXX have requested that Navy Federal show proof of claim that they gave loan by providing the on and off ledgers according to XXXX rules and FAS rules. The Bank never gave a legitimate form of consideration. They never debited their account and rendered a loan. The check they showed me as proof is fake and I never signed a check. That does not prove that a loan was actually given. XXXX XXXX name is the only name shown on the promissory note. In fact it was a barter signature exchange for fund access, a 1099b has been filed with IRS, a 1099C has been filed with IRS and both accepted. They have been reporting wrong information to credit report even after IRS canceled the debt and insolvency filed. They lied like they are not for profit and put the same on my online profile but sent a letter saying they are debt collectors. 3949a and a whistleblower form for non profit entities has been turned in to IRS investigation team for identity theft and lies. Navy Federal denied compel for Private Arbitration. The automobile has been sold to a company in Delaware at my discretion because I am the owner of the promissory note as beneficial owner. The bank did not sign. I am seeking for recoupment of federal reserve notes that was sent to them in error. They used my signature as actual cash value, securitized my promissory note, received funds and then erroneously charge me interest payment and gave the deposit back to me in the form of a loan, this is identity theft and security fraud. I also sent a International Bill of Exchange to Navy Federal XXXX XXXX, XXXX which is the in house Trustee, to set-off the debt because according to comptroller that is a legitimate security to set off and settle debt. They kept it, sent to TT & L dept of treasury to make presentment and kept the proceeds and then said I owe them a loan. I will not make another payment to a loan that doesnt exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

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  NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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.

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 2023-07-29
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: Old information reappears or never goes away

Complaint:
I was trying to purchase a home, when I was informed that I was denied. Because I had a debt from XXXX XXXX in collections. 
So I contacted them to try and fix the problem. The debt collector and I negotiate a settlement agreement. To where, if I paid the debt collection it will be removed/ deleted from my Credit Report. 
After 24 hours of the payment, I still havent received a receipt of the payment or proof of a letter for deletion. My credit report, it still shows the full balance, As if I havent paid at all. 

According to the 15 U.S.C 1681 Law. There shouldnt be any damages on my report thats a decimation to my character.

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 2022-04-20
Company: Glacier Bancorp Inc.
State: MT
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: Problem with personal statement of dispute

Complaint:
Please find attached a screen shot of the response from First Security Bank regarding my complaint against them of inaccurate payment reporting. It is noteworthy that not only has FSB not provided an actual bank statement, and instead simply felt their word against mine is sufficient proof of their inaccurate reporting but also, they conveniently failed to include all of my payments leading up to the XXXX payment in question. 

Also find attached my bank statement of payments I have made since XX/XX/XXXX. As is obvious, I paid ahead {$500.00} on XX/XX/XXXX and I paid ahead another {$500.00} on XX/XX/XXXX. That's 20 months ahead. My monthly payments are {$50.00} per month and my payment is due every month on the XXXX of the month. 

Although I paid ahead, I still continued to make payments every month thereafter. I challenge FSB to provide an actual bank statement to prove their false claim. The statement I am providing is an actual statement generated by First Security Bank. 

I can assure FSB the next step will be to contact my Attorney and seek damages through civil court. 

FSB RESPONSE esponded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Dear XXXX XXXX, In response to the late payment on your Overdraft Protection Line of Credit ending in XXXX, resulting in a 30 day late reporting on your credit bureau, the payment made on XX/XX/XXXX, was in fact over 30 days past the due date of XX/XX/XXXX. The following is a quick snapshot showing the recent due dates and payment dates for your Overdraft Protection Line of Credit : Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX You can see your payment due dates are not always on the XXXX of the month, as you stated in your XX/XX/XXXX and XX/XX/XXXX email correspondence with XXXX XXXX, the XXXX on your account. He explained that your payment made on XX/XX/XXXX satisfied the XXXX payment that was due XX/XX/XXXX. The next payment made was on XX/XX/XXXX, which satisfied the XXXX payment that was due XX/XX/XXXX. The payment made XX/XX/XXXX was due XX/XX/XXXX, which is just shy of being 30 days late. Unfortunately, we are not able to reverse the credit bureau reporting because the payment was in fact over 30 days past due. Should you need to discuss this further, please contact XXXX XXXX, our Loan Servicing Supervisor at XXXX or XXXX XXXX, our Chief Credit Officer at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-06-23
Company: Harley Davidson Financial Services 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 information incorrect

Complaint:
While in the process of purchasing a home. I created accounts with the 3 main credit bureaus to keep track of my credit score and updated credit reports. In XX/XX/XXXX, I received a notification on my XXXX credit report stating that my Harley Davidson account that's been paid in full and closed since XXXX now had a 30 day late delinquency mark. 

I paid for and pulled the most up to date at the time credit report directly from bureau ( XXXX ) and then called them to notify them of this error. They explained that it was the vendor Harley Davidson who had reported to them the delinquency and that they were only reporting what was given to them. XXXX by XXXX picked up on the same delinquency and I had to notify them as well, they recognized the error and removed it after two months. In XXXX by certified mail I sent a letter to the XXXX XXXX disputing the late payment. It came back in XXXX verified. With that, my credit score dropped almost XXXX plus points and all my indicators changed which directly affected me getting a home loan. So I decided to call Harley Davidson. 

At first, Harley denied the late delinquency on my credit report but after my multiple calls and emails on XX/XX/XXXX, I received a voice mail from the company asking me to return their call after I emailed them my credit report and stated I was going to send a complaint for false reporting. 
I've been attempting to get both Harley Davidson and XXXX to fix this error. They both have done nothing but point the fingers at one another and done everything to my credit report which has directly affected my credit score over these past few months like erase my good paying history with them completely on my credit report and leave the one thing I've been requesting them to remove. They have placed the issue into dispute status but then validate the delinquency although the status on the account as well as the indicators clearly shows paid in full and closed. 

I've called Harley Davidson and XXXX. Separately, as well on XXXX way. They are aware of this error yet both parties have been difficult. Harley Davidson claims they have placed a XXXX into XXXX to remove the error because they never reported me late in the first place. However when I'm asking for a letter to stand in place as proof until the matter gets fixed, they refuse to provide one. Its been 4 months and still nothing. Both companies I'd like to report. Harley Davidson for reporting me to the bureaus falsely and the bureaus for not doing a proper investigation while under dispute. I'm hoping you'd be of some help in this matter and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My loans were approved for {$300.00} on the XXXX repayment plan upon consolidation in XXXX of 2023. With repayment approaching, I got a notice from MOHELA in XXXX that my payment amount was going to be {$500.00}. I called MOHELA who verbally took an application to fix it, and quoted me {$300.00}. On XX/XX/2023 I noticed on my MOHELA account that the form was listed as " denied '' I tried calling them but the wait time was over three hours. I called again on XX/XX/XXXX and they submitted a request to look into it, and told me they were placing a forbearance to cover the {$500.00} for this month since it was their error. I then got a letter stating it was denied for not meeting income requirements though I've confirmed on several levels that I do. I called again on XX/XX/XXXX but once again, after waiting two hours I could no longer wait. I called again today and spoke with someone who told me my request was pending but could not provide any information confirming why it was denied in the first place, other than reading the denial reason that was sent to me as " you do not meet the income requirements '' even though I do. She could not provide me any confidence that it would actually be approved or fixed this time. My forbearance still wasn't applied either so it is still showing due for {$500.00} which I can not afford. I will be missing this months payment due to their error. I asked to speak with a supervisor but after waiting an additional two hours, for a total of 3, I once again had to go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I had a new roof put on my home using a company that does home repairs. They took out an application with wells Fargo and got us a XXXX dollar credit card and charged the amount needed to complete the job XX/XX/XXXX. We made our monthly payments for about 4 years. we struggled a bit and wells fargo was charging us XXXX dollars a month for a XXXX  day late payment each month. some were longer. we defaulted due to hard ship and paid all but {$8300.00}. before we defaulted. around XXXX. We received hundreds of collection calls. We were still living almost check to check paying what we could. I got a promotion and started paying our bills more reliably. the debt collectors for this account continued to call, they gave us an option to pay a portion of this debt and at the time we received taxes. So i paid a large portion of this off and they settled. They even took the debt off my credit history. which is no longer on my history If this is a legal dept then why take off my credit history. I have called to get my history statements on my account at wells fargo and get the info of the debt collectors. but they have not yet to send me any of the statements. they submitted a XXXX notice to the IRS stating i had income from them for the tax year of XXXX the last date i had interaction with them was in XXXX per the rep.

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 2023-04-14
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: Reporting company used your report improperly

Complaint:
Experian is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EXPERIAN written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act Convergent Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

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 explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-04-16
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
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:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 
Each bureau lists a different high balance amount. Experian $ XXXX {$0.00} /XXXX   {$2200.00}. How is this possible? How is this accurate? 

Each bureau lists a different open date. Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

There should be no past due amounts on a closed and charged off account yet Experian lists a past due amount of {$2200.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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