BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Global Lending Services LLC
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. XXXX Accounts : XXXX. Global Lending Services # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2021-09-21
Company: RAB, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2021, I contacted ecommissions about a letter that was sent to a 3rd party a present employer referencing an account still in dispute for non-payment by XXXX XXXX  XXXX XXXX. 

The director of defaulted accounts Ms XXXX XXXX was unproductive and unprofessional. Ms. XXXX was very argumentative, belligerent, and disrespectful. She was unable to answer my questions referencing the threatening letters received. XXXX invaded my privacy and harassed me for the last time is what I said. 

Further, Ms. XXXX XXXX the director of default advised that I obtain a lawyer regarding the monies in dispute because the file in question was referred to their attorney for payment. RAB, Inc is not an attorney office and awaiting figures for settlement or a payment plan. MsXXXX XXXX state the loan is personal but its a commercial debt. I do not own any shares in XXXX XXXX XXXX XXXX or the title company I am seeking damages for the threats, invasion of privacy, violating for greed, breach of peace, and XXXX attempt to diminish my name with new broker of record. 

The harassment started when XXXX could not get in contact with XXXX XXXX XXXX broker XXXX XXXX XXXX the owner and broker of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: WA
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:
They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX Experian sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice

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: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a Citibank credit card on XX/XX/2022 I did not apply for. I contacted Citibank immediately ( the same day ) and was directed to the fraud department. They have started an investigation and closed the account that had been opened in my name. I then contacted all credit report companies and placed a freeze on them as well as a fraud alert. I have also reached out to my banks and other credit card companies to notify them.

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 2023-10-06
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: 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. 


Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax, XXXX  and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: TX
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 have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.

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 2021-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX and XX/XX/XXXX money was taken out of our checking account to an. we contacted the bank they told us it was for the housing insurance because our insurance company dropped our coverage. We followed up several times with the bank and contacted the XXXX  department. We were told by the XXXX department they do not remove funds from your account but add any fees or charges to the end of your mortgage. In XXXX we decided to pay off our mortgage and found out that we had to pay an additional {$3100.00} in order to complete the mortgage. When we contacted the XXXX department and told them the full story they reiterated that they do not take the money out from your account but add it to the end and that is why we had to pay the extra {$3100.00}. Now when we contact the bank they tell us that they can not find out why or where the money went to. We've been on the phone and at the branch talking to every possible department. we sent information via fax and other documents to the main branch, at times they said they did not receive that information, And they had no further ability to help, and as of today they told us they are unable to help us., so this is why we decided to contact the FTC 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 2023-10-06
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud was committed on my account where someone stole access to my bank and made transactions. My banks fraud department notified me that they are unable to honor the fraud transactions stating the transactions were made from a device consistent with other valid transactions. I was a victim of fraud and I am unable to gain access to my bank because they are blaming me for the fraudulent activities when I have no information about this. I have been with this bank for years and I never had a problem like this before.

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 2021-01-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IN
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. 

US DEPT ED : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX SXXXX : # XXXX XXXX XXXX # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2021-01-05
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: Investigation took more than 30 days

Complaint:
I sent a certified letter for verification and inaccurate info on my credit report for account # XXXX XX/XX/XXXX To Experian Credit Bureau on XX/XX/2020. Experian received the certified letter on XX/XX/2020. 60 days past by and I never received a response back from them until XX/XX/2020 with no verification or info accuracy. The response time for investigation is 30days even with the extra days for covid this still was a violation of section 611 ( a ). Failure to investigate in 30days is an immediate removal from credit report. I demand that acct XXXXXX/XX/XXXX be removed from my credit report. This was a violation of my rights! I have uploaded receipt and letters to validate my complaint.Thanks

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 2021-01-05
Company: EQUIFAX, 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 am been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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