BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 2020-12-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Wells Fargo " Cash on Demand '' credit card with Wells Fargo that i've had for quite some time. I recently paid this account off per the statement i received from Wells Fargo. I was later notified that this account was reported late to the three credit reporting agencies. I called Wells Fargo on XX/XX/XXXX to understand how i was reported late after just paying the account off. I was told that there were residual interest charges that weren't reflected on that statement. I informed the customer service representative that i had not received any statement reflecting those amounts ( or i would have paid ). I was told that the statement that would have shown those charges was " supressed ''. I asked why and the customer service agent could not give me any detail and told me " you know the post office has been having issues lately ''. On that call, i went ahead and paid the remaining amount to ensure that there are no further issues. However, I was still reported late to all three credit reporting agencies. I do not believe i was properly notified of this issue in time to ensure i did not go 30 days late on this account and i still don't understand why this particular statement would have been " supressed '' when previous statements were not. I am requesting that Wells Fargo update their reporting with all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) to remove the reported late payment.

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 monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX my score dropped by 58 points. Tranunion can provide no clear reason as to why. All payments and accounts have been current in XXXX. In fact I have not had any late payments since XXXX. There was an error from USDA  in XXXX of XXXX, but the USDA corrected the issue at the beginning of the year. I have contacted Transunion and they also advised the error was corrected. But can not explain why my score was dropped 58 points. The report on their website does not provide details for the decrease. The only info I can find is on XXXX XXXX where it says there was a missed payment with the USDA, which shows corrected, but still decreased my score.

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 2022-10-10
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  deducts funds each month and is paid more than XXXX XXXX XXXX XXXX  over a 3 year period. Now suddenly Plaza Services LLC is trying to collect the entire paid Balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was notified on XX/XX/XXXX that my loans were forgiven under the PSLF waiver! I am overjoyed and so thankful! I have been corresponding off and on with Fed Loan Servicing throughout this process. In every call when I spoke with a CSR OR a supervisor, I was told that any payments past the 120 towards my PSLF, would be refunded. Under the waiver, all of my payments counted-so from XXXX XXXX XXXX when I made my last payment. I met my 120 in XX/XX/XXXX. So there are 4 years worth ( 48 total ) of payments that I was told would be refunded to me. I asked each time, that even though I didn't have a Direct Loan at that time, it didn't matter, because under the waiver, any payment counted, therefore any over the 120 payments, would be refunded. 
I do not see anything on Fed Loan account that will let me check the payment counts and no one was able to give me the payment counts over the phone. I want to ensure I have been given the right information-all the dates I have called should be located in my account-that I will be getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Credit Corp Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The accounts I am speaking about today has failed to verify any alleged debt. They also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
I have attached an FTC report with inquiries I did not authorize or recognize please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 account below : XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: U.S. BANCORP
State: NJ
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:
I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. 

My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. 

I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. 

Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. 

US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. 

After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. 

Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. 

After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. 

I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.

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 2018-05-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
applied multiple times for credit line increase XXXX XXXX continues to deny me great long standing with the company other credit cards limit as high as XXXX but XXXX XXXX remains at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-01-11
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. 

Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 

15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. 

Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). 

I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been goin on for yrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recieved debt collection letter on XX/XX/2020. Sent a debt verification letter on XX/XX/2020 by certified mail within the 30 days disputing that I owed the debt and requesting verification of the debt. Company recieved debt verification letter which was confirmed by USPS certified mail, but they never sent verification documents. In XXXX they reported to XXXX  as a collection. This is against the Fair Debt Collection Practices Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 had filled i d theft reports with transunion XXXX and XXXX they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted

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 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received emails from Bank of America stating an application was placed under my name, a confirmation that the application was being processed, a confirmation that the application was approved, and then an email change request notification. I called Bank of Americas fraud department and they closed the account.

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 2023-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraudulent accounts, information, and activities have contaminated my Credit File, and I am once again requesting the removal of such information resulting from the fraud. It is important to note that my personal information was exposed in the Equifax data breach. I am submitting this complaint via the CFPB to request that the three major Credit Reporting Agencies remove the accounts and information that remain on my Credit File, despite the actions they have taken in removing a portion of the disputed items. I have been requesting that they remove the accounts and information resulting from fraudulent activities. While I appreciate their efforts in removing some of the fraudulent accounts and information, I am seeking help once more to request that they remove the remaining fraudulent accounts. 
The accounts, inquiries, and inaccurate addresses listed are not associated with me in any way. I have neither received any money, goods, nor services as a result of identity theft, nor have I authorized these accounts. I urgently request that the Credit Reporting Agencies promptly remove any affiliation of these items with my identity. I need the help of the Credit Bureaus in removing the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US BKPT CT GA XXXX Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my numerous request for the Credit Bureaus to remove these items, and I do not lose hope in resolving this matter as peacefully as possible. If the Credit Bureaus ' investigation finds that the disputed items belong to me, I require them to send me copies of the documents they found during their investigation. In the absence of such documents, immediate removal of the disputed items is expected.

Company response to consumer: Closed with non-monetary relief