BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 
Please remove all non-account holding inquiries over 30 days

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 2022-11-19
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:
There is inaccurate information on my credit report. All credit bureaus are not reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-18
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?

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 2022-11-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I linked my personal bank ( XXXX XXXX ) to my Union Bank  XXXX account and transferred {$10000.00} before going on vacation on XX/XX/XXXX. 

XX/XX/XXXX - While in vacation, someone accessed my Union Bank of California account, and initiated a link with " XXXX  XXXX XXXX ''. 

XXXX someone withdrew as a XXXX  XXXX XXXX XXXX an amount of {$30000.00}. 

XXXX I received on my phone a suspicious call from XXXX asking if I was XXXX XXXX from XXXX XXXX ( the account holder ), and if I did government work ( which I do ). The person said we could have some grounds to work together. I apologized and asked if he could call me the next day. I never received any calls from him again, and after learning of the fraud, I called his number-it just rang and rang. This week I called again and received a voice recorded message from XXXX stating that the number was disconnected. 
When we came back stateside, I checked my account at the end of the day on XX/XX/XXXX, and found the transaction which I did not authorize, and immediately called the bank, spoke to an operator and was told that I needed to go to a branch during the week and report the problem. 
Went to the bank on XX/XX/XXXX and the representative ( XXXX XXXX ) called the bank IT department and was told that even though the transaction were labeled XXXX  XXXX XXXX the routing number where the money was transferred to was XXXX XXXX XXXX  into a company called XXXX XXXX XXXX in Florida. This, by itself, should have raised a red flag on their system. 
My wife called the fraud department of the bank 3 days after the claim was initiated and was told that they did not have any record of the claim and that the fault was ours for not protecting our information. Next day she went to the bank and was given a claim number. This week she went back to the bank and finally spoke to the business banking representative boss ( branch manager ) and was told that the bank would have to receive the money back from XXXX XXXX ( she was looking at the bank database ) and this could take 1 year. My wife showed her the transaction log showing money going to a XXXX  XXXX XXXX account and the manager corrected herself saying that it was XXXX  XXXX XXXX. 
I completely lost faith in Union Bank ; they have a poor online system to protect customers interest. Union Bank is in the process of selling the bank to XXXX XXXX  as of XX/XX/XXXX which has a more secure system. I am concerned with what will happen to this claim once it becomes another bank. 
I have XXXX XXXX XXXX on my XXXX  and XXXX, nothing was detected.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TRANSUNION is currently reporting that I have : 1. 2 Late payments when I don't 2. 1 collection account, when I have no accounts in collection This information is wrong and needs to be updated.

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 2023-02-22
Company: LFG Data Services Holdings, LP
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I inherited the family home last year when my XXXX passed. I was in process for a XXXX home safe reverse mortgage to pay off his old reverse mortgage, but when the XXXX  changed the rates the company said they couldn't do it now. Then I applied for the home for all state-sponsored reverse mortgage and they said they were declining me because PHH mortgage  stated the borrower is deceased and they don't recognize me as the successor. I provided them with the documentation from the family trust naming me as the successor trustee. I believe that this is them attempting to steal the house out from under me and get three times the money that they're entitled to rather than simply taking the payment from the state program so that I can stay in my home, I do not want to sell I am staying here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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. 

Has Violated my rights 1. PENTAGON FEDERAL /Account number # XXXX 2. PENTAGON FEDERAL/Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-02-22
Company: Experian Information Solutions 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:
XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was financing my XXXX  XXXX XXXX with Wells Fargo and was having financial hardship they repossessed my vehicle for one late payment demanding total amount of loan amount left of about {$6600.00} after repossession and had about 8 months left on the loan terms and charged us with GAP Insurance while we had full auto coverage. I have been reimbursed in small increments for the GAP insurance but I truly believe that I qualify for payment on the unlawful repossession according to the most recent Wells Fargo Settlement.

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 2023-05-13
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am unsuccessfully trying to receive the amount that was in my checking account before it was closed for no reason by the Bank of America. I called several times and they told me that I would only receive the amount after the total closure of the account, which would be on XX/XX/2023. It turns out that I have bills to pay for rent, insurance and others, including my salary being deposited on that account and now I'm unable to access it. This is causing me a lot of financial problems as I have almost XXXX dollars in the account which was also to pay my income tax. I need to get the money back immediately or I'm about to lose my job because I don't have money for insurance and gas for my car because I use it for my job. Please help me against this institution that is ending my life.

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 2021-03-12
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:
I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX equifax and XXXX regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 response to consumer: Closed with explanation