BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
1. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX XXXXXXXX Account Number : 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 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX & XXXX & XX/XX/XXXX. 
Bank of AMERICA IS MY COMPLAINT IS ABOUT. THEM HOLDING OF COMPANYS CHECK DEPOSITS TO PLACE THEM ON HOLDS & BLAME THE FDIC SAYING THAT THE FDIC HAS NOT released CLEARING THE CHECKS.THIS HAS BE GOING ON FOR 6 MONTHS. At CERTAIN PERIODS OF TIMES NOT EVERY TIME. OUR CUSTOMERS THE CHECKS ARE FROM ARE LONGTIME CUSTOMERS WHO PAY LIKE CLOCKWORK BY CHECKS.PLUS WE KEEP ENOUGH MONEY OR OTHER TYPE FUNDS TO COVER OUR CHECKS.

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 2023-07-04
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXXXXXX Dear Creditor : XXXXThe account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt. 
2. A copy of the contract and/or document evidence of debt agreement.

3. A copy of ALL original debt documents with indicated social security number used to open account. 

I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX onXXXX due to fraud on Report No. XXXX XXXX and XXXX deleted the item from my credit report after its investigation. 

The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. 

I request that documentation as requested be sent to the address below. I also I request that all Midland debt entries be removed from my XXXX, XXXX, and XXXX credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit XXXX Agencies Act . 

XXXX cc : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NC
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:
*That account does not belong to me- They did not even investigate properly *That collection account is showing a past due balance- They will not let me dispute the same account error twice. 
*The collection agency is not licensed in the state of North Carolina where I reside- Again they will not allow me to dispute this account. 
*Experian is the only bureau reporting this inaccurate collection account I asked for real validation showing this account was mine, I requested any type of documentation showing this is my account and they denied my request to remove the inaccurate information from my report. 
BUT if I want to re dispute this account I have to show them proof of rebuttal. 
Account name XXXX XXXX XXXX Account number 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 2018-11-12
Company: Fortren Funding LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On the evening of XX/XX/2015 I made arrangements with the Sr. loan officer at Fortren Funding to supply a cashier 's check for the amount of XXXX to forward to a title agent in order to start my new escrow account. Since my old escrow account did not have the substantial amount of funds to satisfy my taxes, I supplied those sufficient amount of funds with that check since according to XXXX the Sr. loan officer and the closing agent, stated that I would be receiving a disbursement check in the amount of XXXX back from my old lender after washing my old escrow account and also would be skipping 2 monthly payments making this transaction costing me {$500.00} from OUT OF POCKET EXPENSES. 2 months later I discovered that a tax payment did not get paid in full to my township and I called XXXX and said he will look into it as adjustments were being made. I also offered to pay the taxes myself and the township said I should not have to if they were escrowed and why was only a partial payment made? I then contacted XXXX again, when we discovered that my car payment had increased and my credit score was destroyed after having outstanding credit and and increased mortgage payment of {$220.00} plus penalties and fees from my current lender causing me to become XXXX from trying to make up losses in which XXXX said to pay temporarily because THERE WAS A HUGE MISTAKE until adjustments start kicking in. A few days later he disconnected his phone and disappeared. I then contacted the management and I spoke to XXXX and he asked me a couple questions and then asked me if I received a disbursement check? I said yes. He stated " there you go..you spent it '' I said yes..He then asked why didn't I pay my taxes with that disbursement. I told him that was not the arrangements I made and furthermore the check was no longer useful to pay taxes in late XXXX when I received from my former lender and even contacted them for sufficient proof. He then told me that only my new lender can help me who ever they are because my loan got all screwed up ... and anyway I skipped 2 monthly payments ... At this time after enormous hardship after my cost of living has increased {$300.00} a month for 3 consecutive years and can not work, I lost my second home and now facing foreclosure on my primary residence and have to live my life as if I am XXXX years old on hospice and my credit history shows up as my Father 's old credit history from over 20 years ago and have an outstanding radiology bill that was transferred to my name as XXXX. I know I have already submitted 20 + complaints about this matter and I know it is a duplicate ... .but however I will stop this from happening to anyone else and will have to handle this on my own as it is now being conspired by other collector 's

Company response to consumer: Untimely response
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
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 reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them 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 2020-11-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XX/XX/2020 I attempted to get my credit report online through XXXX  XXXX XXXX ( " XXXX '' ). I was denied access to it online. I had given them my correct information. I then called their telephone line and again gave them my same information, which it accepted. I was told it would be sent within 15 days. It has been well over 30 days and I have still not received said report. I chose to get a report from only one of the agencies ( Experian ) so as to be able to request from the other two ( 2 ) at a later time. However, again on XX/XX/2020, I called " XXXX '' expecting to be able go speak with someone about not receiving the report, but there were no options to speak with anyone nor a prompt asking if you had ordered and not received your report. Therefore, I went ahead at that time and ordered a report through them from XXXX, which understandably, has not been received yet. Also, no correspondence has been received from XXXX or any of the reporting agencies stating there were any issues. Thank you in advance for your assistance with clearing up this matter.

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 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-18
Company: Experian Information Solutions Inc.
State: CT
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:
I AM SO DAM TIRED OF THIS BACK AND FORTH BETWEEN EXPERIAN AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA. CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EXPERIAN TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EXPERIAN WILLFULLY PERFORMS AGAINST CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EXPERIAN IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EXPERIAN IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES

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 2019-06-20
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
WithGMFinancial,myduedatesareontheXXXXofthemonth.Iregularlypayovertheamountdue(amountdueis{$220.00},Iusuallypay{$250.00}).Inthepast,thishasresultedinlowerandlowermonthlyduesfrommyoverpayments.Lastmonth(XXXX),IwentonGMFinancial'swebsitetopaymybillontheXXXXasIalwaysdo.ThewebsitesaidthatIowed{$0.00}asoftheXXXX(Itriplecheckedthatiswasupdatedasoftheduedateandnotapreviousdate),soIassumedthatmyoverpaymentshadcaughtupandIlegitimatelyowednothingforthatmonth.IrecentlyreceivedanemailthatIhadbereportedasadelinquentaccount,whenthesitetoldmeIowednothing.Thiswasnotaproblemwithresponsibilityorfinancialstatus,butratherawebsitethatwasnotupdatedwhenitsaiditwas.IhaveneverbeenreportedasadelinquentaccountwithGMFinancialbefore,buttheyrefusedtoworkwithmeonthisissuewhenIfeelthattheywereinthewrongwiththeirwebsitebeingincorrectandnottellingmeaccurateinformation.Additionally,theyclaimthatmynumberisontheir"donotcall''list,andthatiswhyIwasnevergivenaheads-up-Ineverrequestedtonotbecalled(Iamsureofthis).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: VA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off the remainder of my car loan with Toyota financial. I was told it would take a month from the paid date for it to process. After more than a month I called to find out what was happening and when the title would arrive. I was then told that I hadnt requested the title and it hadnt been sent. I thought this was odd that I paid it off and didnt just get it sent out, but I went on to request it. This was XX/XX/XXXX. I was again told to expect it to be up to 30 business days to arrive. I called weekly for updates until I was finally told to it would be to me by XX/XX/XXXX and if it wasnt to call. I called on the XXXX when I hadnt received it still. They told me me they werent sure what was happening and that they didnt know where it was. I was told by the XXXX XXXXXXXX XXXX that the Lien hadnt been released so I shared this with Toyota financial and they put in a request for a lien release but was again told it could be up to 30 days. I paid this off in early XXXX and I really need the title to the car and have completely lost faith that the issue is going to resolved by Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: IL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$300.00} XXXX XXXX  Bank Opened XX/XX/XXXX Account XXXX XXXX Credit Limit {$500.00} XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX, XXXX XXXX Original Balance : {$350.00} 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 non-monetary relief
Consumer complaint received 2023-07-04
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my Transunion Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call Transunion to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with Transunion. The next day XX/XX/XXXX Transunion stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.

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 2023-07-04
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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