BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MO
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 Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( 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 XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.

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 2022-03-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XX/XX/2022. I received a response ( see attachment ). I requested an audit trail for this alleged debt. I have no idea what this is definitely not an audit trail. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ATLANTIC COAST MORTGAGE, LLC
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: Other problem getting your report or credit score

Complaint:
I applied for ( and received XXXX a mortgage from this company. The company never provided me with information about my credit score, e.g. in a document titled, " Your Credit Score and the Price You Pay For Credit. '' I believe this is required by law. I have left several messages with this company, including for XXXX XXXX XXXX XXXX, and the company does not return my phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX  without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I hav

e the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-03-01
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
Transworld Systems Inc is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license and plwase remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was XXXX from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. XXXX just added " OK '' for every month until present date to the XXXX account closed since XXXX Original date of age off was XXXX in XXXX now age off date is XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.

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 2023-03-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened an account with Truist Bank, but to my surprise, the account was closed the very next day. When I inquired about the reason for the closure, I was told that it was due to suspected fraud. Truist Bank claimed that they had received this information from XXXX XXXX XXXX, a company that stores public banking data. 

To get to the bottom of this issue, I contacted XXXX XXXX XXXX and requested a copy of my report. Upon receiving it, I found that there was no indication of any fraud-related activity on my part. 

I then visited a XXXX XXXX branch to discuss the matter with the manager and showed them the documentation I had received from XXXX XXXX XXXX. Despite our efforts to resolve the issue, the bank ultimately decided to close my account, despite the fact that I had provided evidence to the contrary and had even verified my identity in person. 

This experience has left me feeling frustrated and disheartened, as I believe that the bank has acted unfairly and without just cause. I hope that this issue can be addressed and resolved in a timely and satisfactory manner.

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 2023-12-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Third party company fails to furnish any and all information about debt owed in the amount of {$5100.00}. Landlord took the deal from my lawyer and I was awarded to move with forfeit of deposit! I had no knowledge of this debt or any paperwork stating I owe this debt! 

" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: OK
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:
We have a mortgage on our home through XXXX XXXX  in XXXX. Over the past 15 months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every one of those months. I have tried three different times to contact XXXX XXXX directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please refer to the closed case # XXXX on XX/XX/XXXX of XXXX as I would like to reopen this case based on many other cases that have been reported since then on news and even XXXX & XXXX company website to finally inform consumers of scammers threatening their consumers to pay their bills via XXXX or XXXX, they will shut down their power shortly. This is what happened to me on a Saturday morning and I was frauded by a company called on XX/XX/XXXX pretending to be XXXX  & XXXX and asking for payment before they shut down my services in XXXX minutes. They seemed to have information about my XXXX  & XXXX as I haven't been making payments for the past few months of shutdown due to hardship but haven't also received any mail notices. They asked me to make a transfer from my account at Bank Of America with a feature called XXXX which they can receive their payment so that they would stop shutting down my services. They took XXXX different payments of {$190.00}, and then another for {$490.00} as that was the full amount they were looking for and not the partial payment of {$190.00} I tried to pay first. They told me they will issue a refund on the {$190.00} they couldn't accept and needed full payment of {$490.00}. Once they collected the full amount, they said they have systems issues and have to wait till Monday XX/XX/XXXX to issue refund. I called them and all their voice messaging systems were excatly as XXXX   & XXXX and trusted that this was XXXX  & XXXX. But when I tried to call them on XX/XX/XXXX, I realized that there was something wrong as they wouldn't want to issue a refund. I checked back and found other XXXX numbers for XXXX & XXXX and they told me that they haven't received any payments and realized I was frauded. I called Bank of America to report this fraud transaction and they started the claim but they wouldn't issue a refund back to me stating that this was my responsiblity to transfer cash to this party. 

As now this is very clear based on many other complaints went through the exact same situation which I started learning about this please refer to this news on XXXX XXXX : XXXX : XXXX This guy describe the same situation I went through in XXXX of XXXX and when I contacted both XXXX & XXXX and Bank of America , they wouldn't take any responsibility to refund my money back. Bank of America should have caught these scammers back in XXXX as there have been many other XXXX & XXXX consumers going through the same situations and should refund my money back of the XXXX XXXX transactions of {$190.00} and {$490.00} which would be a total of {$690.00}. 

Thanks, 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 2023-09-27
Company: EQUIFAX, INC.
State: WI
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This creditor XXXX XXXX did the inquiry on my credit without my knowledge.

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 2023-06-25
Company: Mercedes Benz Financial Services
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a vehicle from Mercedes-Benz XXXX XXXX which is financed by Mercedes Benzs Financial Services arm . As a convertible, it had an annoying drip every time it rained. The dealership was less than helpful after replacing the flashing. And I decided I would never buy/lease another vehicle. As I neared the end of my lease, I decided to buy a new/use XXXX and return the XXXX. Ultimately, it worked out that I could return it early. I spoke with the local dealership and they said I could just bring it in early as long as I made all payments. When I brought it in, they said it was in immaculate condition, which it was and only XXXX miles. They also had XXXX extra weeks to sell the vehicle. About a week later, I received a bill that included a {$590.00} turn in fee and {$22.00} early termination fee. I am sure both fees are listed on the extensive paper work reviewed XXXX years ago. But a {$590.00} junk fee on a XXXX XXXXXXXX transaction, I was shocked. It was not covered verbally at lease inception nor in person or on the phone in several calls leading up to the return ( and all parties know I wouldnt be buying or leasing another XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
I have reviewed my credit report, dated, and found an entry that reports payment transactions. According to the FCRA, payment transactions are not allowed to be included in the credit profile as they do not represent an extension of credit or a debt obligation. This reporting violates the FCRA in the following ways : Inaccuracy : The entry inaccurately reflects my credit history by including payment transactions that do not pertain to any credit or debt-related obligation. 
Misleading Information : The inclusion of payment transactions misleads potential creditors and lenders by suggesting that I have a credit history or debt obligations that do not exist. 
FCRA Compliance : The FCRA explicitly states that credit reporting agencies, such as XXXX, are required to ensure the accuracy and fairness of the information they report. Inclusion of payment transactions on my credit report is a clear violation of this requirement.

Company response to consumer: Closed with explanation