BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My situation is with Bank of America. Checks were deposited into my account and after a few days ( XXXX ) the checks appeared as cleared and funds deposited in my account. 

I made some payments with those funds already in my account and this morning they said the checks were fraudulent and they had to take those funds from my account. 

I called the bank and they said they gave me the funds because Im a gold member in BOA and they wanted to facilitate the funds but then they found out the checks were no good. 

I was baffled and confused because why should a bank clear fraudulent checks. For me they are helping the thieves to steal from their clients! 

All of the transactions happened on XX/XX/2022 and XX/XX/2022. Today the debits appeared in my account. Over {$3300.00}

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 2022-11-24
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 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 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 XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have 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 XXXX 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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : 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 explanation
Consumer complaint received 2021-09-18
Company: William D. Meeker Enterprises, 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:
1. CIC CREDIT has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 status incorrect

Complaint:
I'm requesting XXXX be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : 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. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 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 or 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. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is the only credit reporting agency that gives me issues I have XXXX inquires on my report which is crazy because I'd never go past XXXX and they refuse to delete them I did not apply for any credit it's very unfair that I have to suffer over transunion lack of ability to see such a high amount is fraud and I've had fraud issues in the past that's why I have to use irs pin to file taxes can you please help me get these inquires removed

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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 writing to formally dispute the validity and accuracy of the charged-off accounts that your agency has reported on my credit file. I believe that these account are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX state of MichiganXXXX  Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. I believe that your agency 's reporting of this charged-off accounts has violated several provisions of the FDCPA sectionSection 807 ( 8 ), of including but not limited to.Accuracy of Information : Section 807 ( 8 ) of the FDCPA requires debt collectors to ensure that any information they report is accurate and not misleading. It is my belief that the reported charged-off account contains inaccuracies, and as such, it should be promptly removed from my credit file.

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 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
Credit Bureau is reporting a XXXX  day late in XX/XX/2018 on ( XXXX XXXX XXXX ). 
How can this account be XXXX days late when it was on time the month prior. This is an inaccurate reporting. Please remove the XXXX day late from my credit file and update this account to open, never late.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXXXXXX Balance Owed : {$4900.00}

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From XXXX trying to fix errors and information that can not be verified by CRA, Major problem in communicating, obtaining records from furnisher SEE ATTACHMENTS Furnisher re-aging account, failure to provide proof of documents requested via email and CRA continues XXXX verified as " accurate '' then modifies and removes data replaced by Xs which resulted in an INCOMPLETE tradeline with unverifiable 1st date of delinquency and incorrect estimated date that will stay on record. 
FINDINGS OF VIOLATIONS FOR FURNISHER AND CRA AS FOLLOWS : FCRA SECT 605 ( c ) ) 1 FCRA Sect 623 ) 5 ) ( A ) FCRA Sect 609 ( a ) ( 1 ) FCRA Sect 623 ( b ) ( 1 ) FCRA Sect 623 ( b ) ( 2 ) FCRA Sect 611 ( a ) ( 1 ) Furnisher rule 660.4 ( a ) ex-disposition related to payment status, date payment was made, payment amount FCRA Sect 623 ( a ) ( 7 ) ( G ) ( 1 ) 15 US COD 1611i ( 5 ) 15 US CODE 1681e ( b ) FCRA Sect 623 ( a ) ( 5 ) " ..comemencement of the delinquency ... '' as the first payment and not some other later date that would further extend the period. 
Fed Reg IRS Code 166 ... '' creditors in the United Syayes must charge off revolving credit cards at 180n days.. '' Policy : Uniform Retail Credit Classification and Account Mgmt XXXX policy " 180 days charge off '' re-aging only allowed once 12 los if consumer makes a payment. 
15 US Code 1665d- ( c ) ... '' cost incurred by the creditor from such omission or violation ' '' Original bal due reports vs charge off 3x higher. Abusive, still no access to any records to verify any of the information reported by the furnisher and CRA failed 3x and conintues to report. SEE ATTACHMENTS

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2021-09-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Credit Collection Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Credit Collection Services Reported. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXXDOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Lincoln Educational Services Corporation
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a student loan from Lincoln tech XXXX  XXXX XXXX {$3500.00} from spring of 2021. They use their own lender called XXXX. I started by having auto payments taken out of my account monthly. My problem is I had no receipt or statement billing statement sent to me. So I canceled the auto payment ask the company to send me monthly bills in which I can send a check in order for proof of payment. My problem here is I never get my statement of what is built what is old what Ive been paid I have to call monthly in order to get that. If I forget to call XXXX XXXX  then they called me in which I ask for a bill to be mailed to me. Then I pay by personal check. They are not sending me anything monthly but harassing me saying they are going to send to collections or to the credit bureau I would like help on what to do in the situation even though I contact the lender. Is it my Responsibility to call every month in order to receive my bill and even when I get my bill it just shows me the amount that is owed to pay no other details. When I last spoke with the XXXX Representative he has told me I am not the only person who has been having this problem he also said that there is a website I can go on to see this but does not have that information of how I can login when I called Lincoln tech today its XXXX  and XXXX told me he does not have that information does not know about that. I uploaded all bills I have received since having this loan. Is this legal for a loan company want payment yet they do not sent monthly statements on what is own and what has been paid. I have other bills where I can go on their website or get my statements every month. I would greatly appreciate someones help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
On XX/XX/23, my husband and I went into contract and applied for a XXXX mortgage with XXXX XXXX loan officer XXXX XXXX. He requested all document from me which was sent within days. For two weeks, I did not hear from him. I would email him and no response. On XX/XX/2023 after the missed closing date, I emailed him about the negligence practices of the company on handling my application which I cc the corporate headquarters. The same day he reached out stating they were starting another application. I again submitted everything for me and my husband with quotes, income, tax returns and IDs along with a letter stating I am a 100 % XXXX veteran. As of today, the company has ran my credit four times in the timeframe which dropped by credit score by XXXX points. They are now telling me that its still in process and can not give me a closing date. I feel as though they are trying to drop me as a client due to their negligence. I need help. I just experienced the same thing in XXXX with XXXX XXXX XXXX with the loan officer committed fraud with my application and I lost my house because of the timing of notification within 6 days of me closing on another home. Now, we are living in a house with no air and was not ready for tenants to move in but we had no where to go. These mortgages companies do not care about the clients and continue to give us excuses for their inability to do business. Everyone should be accountable for their actions and mistakes.

Company response to consumer: Closed with explanation