BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: IN
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 submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this.

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 2023-11-16
Company: EQUIFAX, INC.
State: GA
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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:
This is my third or fourth complaint submitted to the CFPB regarding XXXX, as well as, Experian, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$10000.00}

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 2022-12-27
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I have a cash app account and there was sole unauthorized transactions that were made a second time on my account. The first time around i asked them to please issue me a new card and to block any more transactions to be able to be made to the specific merchant that these unauthorized transactions were made to. A few weeks later a few more were made to the same merchant without my authorization and i dont know who is stealing my money. I promptly emailed cash app to let them know and submitted the disputes. A day later they were all denied. I again re submit the disputes and a day later again denied. No real human is going over these disputes or else they would see that they are in fact unauthorized and should have gone out since i had asked to get them blocked. The first time around the disputes were concluded in my favor of course. Now they dont want to help with these and its alot of my money that they stoled. I keep begging them to have a real person look over them but they keeo ignoring me. : ( pelase help. Following are the unauthorized transactions. 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 2022-11-23
Company: EQUIFAX, 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:
In according with the Fair Credit Reporting act XXXX Account name-XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I was behind on my Mortage by XXXX payments. XXXX and XXXX, I made XXXX 's payment. Then on XX/XX/XXXX our mortgage company tried to take out {$2200.00} from our bank which I didn't have so it didn't go through. XXXX XXXX and XXXX I called and make XXXX more payments to get all caught up. I paid what they told me was due. Which was in XXXX payments. XXXX payment of {$1100.00} and XXXX payment of {$460.00}. I told him that sounded wrong but he kept saying that's all that's due, So I paid it. 
Now I have been in a fight with them because they're saying they never received that money! I even sent in Bank Statements showing the money went through and was never rejected or returned but they are still saying they don't have it and want me to repay it! 
I have XXXX 's payment for them but haven't paid in fear of them supposedly not receiving it again. I need help investigating this. They're saying I owe {$3600.00} which isn't correct. They won't give me any info to match info with my bank. I have spoke with my bank numerous times, They all say tje payments went through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2018-02-28
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector- Hunter Warfield INC Original creditor name - XXXX XXXX . 
The complaint is about not oweing that company {$3700.00}. 
The problem I am having is I tried to lease an apartment from the original creditor and the place was really bad. I did not move in to the apartment. The first day I was suppose to move in I told them this is not safe for me and my family and I did not even touch the apartment. They called me harassed me and told me I owe them thousands of dollars even though I did not move in. I tried to talk to them but the person I was talking to was yelling and cursing and they put it on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CT
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received numerous calls but they are extremely rude and aggressive, and when asked said will not provide me with a written letter explaining the debt and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
Company: Applied Data Finance, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good afternoon, I am writing to you because I have problems with this personal loan. I lost my job and due to the high interest rates of this loan, which are 96.97 % per year, it has been impossible for me to pay it. I have called repeatedly to ask a payment agreement and have been denied any possibility of payment relief. They have threatened me with putting the loan in collection and that would hurt me a lot. I think the interest they charge is too high and outlawed. This bank has violated usury law, where by law in Florida lenders can only charge Max 18 % annually. and if so, they would be subject to sanctions that include the loss of interest, both those already paid and those that remain to be paid I request a review of this loan, as well as the removal of this loan from my credit, at the XXXX bureau, which is where I report. attached copy of the contract where it indicates the usury interest rate 96.97 % APR. 

I am writing this letter based on your debt collection regulations, which clarify certain provisions contained in the Fair Debt Collection Practices Act ( FDCPA ) that went into effect on XX/XX/2021 I hope you can help me, I am a single mother and I have a family burden and many responsibilities and this loan has damaged my credit and my peace of mind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: United PanAm Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The Company is failing to acknowledge the US bankruptcy # XXXX and how it dissolved the XXXX. XXXX. They are also failing to obey Presidential orders to dissolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Also, I want these late payment deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After receiving a letter from the Company outlining the credit card to end as of the end of XXXX, XXXX and to be able to redeem the earned rewards till the end of XXXX, XXXX, I contacted customer service in regards to my rewards balance of XXXX even before the end of XXXX. I was told that I could transfer my rewards to my statement balance to redeem and have not been able to do that so far. I have contacted them every month up to date in regards to my rewards either by email, phone & mailed letter to redeem. I was told that they couldn't do the redemption due to updates and they apologize for that but are working on it. As of now, they have closed my account, I called them on XX/XX/XXXX again in regards to redeeming the points because they in fact show up on my statement, but was told again that my account is closed but that I could in fact have XXXX points per XXXX. ( customer service ). 
If they can give me XXXX points why don't they give me all of the points that I have earned through the years. 
I have been an excellent customer, have paid them a lot of money over the years and this is how I get treated. I've earned those rewards and I don't understand why they won't let me have them. I have also filed a complaint with the XXXX which they have sent the complaint to them but the card company has not reached out to me so that's when I called them again as stated above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
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:
I previously submitted XXXX complaints to Transunion through the CFPB. XXXX of them was sent through the CFPB on XX/XX/XXXX Complaint # XXXX and another complaint submitted on XX/XX/XXXX Complaint # XXXX. The first response from TransUnion was sent through the CFPB on XX/XX/XXXX that claimed that XXXXXXXX XXXX ACCT # XXXX was deleted and XXXX ACCT # XXXX was deleted from my consumer file/report. On the second response from TransUnion through the CFPB on XX/XX/XXXX, they took also stated they XXXX XXXX  ACCT # XXXX was deleted from my consumer file/report. However, according to the paperwork of my disputed results I received in the mail on XX/XX/XXXX, both of these accounts came back verified. How did they come back verified if stated in the CFPB non-monetary relief section of the results of the dispute that they were deleted? XXXX demanding these XXXX accounts be deleted since that is what the verdict was in not XXXX, but XXXX CFPB responses. XXXX this day, XX/XX/XXXX, both of these accounts are still reporting on my TransUnion credit report. Please delete these XXXX accounts accordingly. Please see attachments of both CFPB responses from TransUnion and attachment of the most recent paper dispute results from TransUnion for evidence and proof. TransUnion said they would delete these accounts, but they did not delete 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 2023-11-17
Company: Nelnet, Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX & XX/XX/2019, Fedloan reported that I was late on payments during a period where I was under either forbearance or deferment. On my credit report, for the month of XX/XX/2019 it states I was 90 days late ; the following month ( XXXX ) says that I was 120 days late. However, the 3 months leading up to XXXX & XX/XX/2019 have green check marks which means I was not delinquent on my Fedloans during those months and therefore, could have never been 90 days late in XX/XX/2019 or XX/XX/2019. This inaccurate reporting has negatively impacted my credit for the last few years and I need to have it reversed as soon as possible.

Company response to consumer: Closed with explanation