BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair credit reporting act XXXX  account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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 was a victim of identity theft and this is another request to REMOVE these fraudulent inquiries AND information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are REQUIRED to REMOVE any items listed on an id theft report not later than XXXX business days. Ive already included this reported issues in my previous letters & I am including it again along with the ID THEFT REPORT # XXXX. Also, the details provided BY THE Credit Bureaus regarding these items are UNKNOWN to me and I have doubts about the accuracy. Please see the listed items below for REMOVAL : EXPERIAN : 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 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 2022-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX : Bill pay arranged from XXXX  XXXX to Fifth Third Bank for XXXX mortgage payment. 
XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage. 
XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank. 
XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third. 
XX/XX/XXXX : Received call from XXXX XXXX verifying second payment. 
XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks. 
XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried contacting EdFinancial for weeks to try and get them to cancel my consolidation loan application. Their phone wait times are over 600 minutes every time I call, no matter what time of the day it is, and their chat function does not work. Theyve not responded to my emails Ive sent either. I need this cancelled as soon as possible, or I will not be able to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my 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 explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-04-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained membership at BJs and signed up for the Comenity BJ Perk Mastercard. I did not agree to the automatic renewal of membership. I was charged the fee for renewal. When I saw the bill it was {$120.00} due to late fees. It took months to get the charge cleared from the bill. I was recently denied an XXXX card as they report due to a credit score of XXXX on XXXX. I noted that XXXX reported overdue payments on charges that were not authorized which were eventually removed from the card. The credit report on XXXX does not reflect the company 's error. I called several customer services numbers and basically received little to no help. The persons in the call center kept repeating the " script '' and told me to launch a dispute by emailing the information to the company that can't be reached. Please help! Thank You XXXX XXXX XXXX Accounts with Adverse Information Account Name Account Number Balance Monthly Payment COMENITYXXXX/BJS XXXX - - - Address XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX ; {$55.00} from XX/XX/XXXX to XX/XX/XXXX ; {$86.00} from XX/XX/XXXX to XX/XX/XXXX ; {$120.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$750.00} from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXXXXXX 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.

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 XXXX 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 2020-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had loan with credit accetance.. They illegally turned the truck of XXXX XXXX XXXX. Then forced illegal repo.. They falsley made inaccurate and malicious inquiries on my report since XX/XX/XXXX. I have proof of everything and i want this loan cleared off my debt and shown paid in full. Since the illegally repoed it and ruined my credit since. I made 28/32 payments on time until the illegally repoed it. I have contested this as far back as XX/XX/XXXX. Had it taken off my credit. I have proof of this illegal repoesssion and illegall garnishment. 
This is when i said ibam fighting back and going to sue.. Credit Acceptance.. XXXX XXXX XXXX  and XXXX Court for granting these garnishments due to illegal documents and illegal repossesion. 
I have bought all documents that Credit Acceptance submitted to be granted these judgements as well as the transcripts. Where the judge advises me to hirr a lawyer 3 times. 
This has affected my livelyhood since everything is based on credit. From car loans, personal loans and insurance. I have statements for insurance and XXXX  XXXX also my credit union denying me help. And credit statement that states ib have hired XXXX to help dispute and prove this malicious inquires made by XXXX XXXX. I also went back and printed out past history reports that prove thatvcredit acceptance has went back adding false reports to try and cover there XXXX. I have 5 different credit reports. Old and new. Also XXXX  just approved my dispute in XX/XX/XXXX after i called and spoke to a reprensatitve and sent them proof of all this. I also have phone recordings proving why my payments was agreed and pushed back by Credit Acceptance after they sold my car at auction. By XXXX before my terms of getting the truck back. Again illegal actions. Example So XXXX payment was due on XX/XX/XXXX. Now due XX/XX/XXXX. They turned truck off XX/XX/XXXX XXXX XXXX. Sent me repo threats. I have copy.. And spoke to on XX/XX/XXXX made the payment arrangement for XX/XX/XXXX. Since i had to rent a car to work. Because the turned it off XX/XX/XXXX. They repoed the truck before i could make XXXX paymwnt due. XX/XX/XXXX and inwas paying XXXX payment ahead which was not due until XX/XX/XXXX. This is the Illegal repo that i am speaking of and have reciepts for the rental car, statements of truck being shut off and forcing me to miss XXXX BBQ. Then the same day they illegal repo my truck they alrrady posted it on my credit. Stopping me from getting a new car. And lowering my score 67 points to a low XXXX. 

I need someone to call me so i can send you the proof. Here is my number. 
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 2024-01-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting 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 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
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 2023-01-23
Company: EQUIFAX, INC.
State: NJ
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 is reporting a late payment on my account that is inaccurate. It also has incorrect information reporting. In accordance with the Fair Credit Reporting act 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.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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on or around the end of XXXX we went through hurricane Ian in XXXX XXXX Florida. Our home owners insurance had been dropped just before the hurricane hit and we were left trying to find new home owners insurance. The hurricane hit the day before we had secured new insurance and our home was damaged on the roof and inside damage such as floors and furniture from the open roof tore away by the hurricane. Our pool cage was totally destroyed. We had many new large bills and no insurance. So to help us get some relief we applied to US banks forbearance plan, They accepted our application and that is where the harassment started by US bank. We were told we would be able to tack the payments of forbearance to the end of our loan XXXX or XXXX times. We were sent threatening mailings telling us we were late and that our credit would be affected and we would be reported to the credit bureau. Our credit did drop XXXX points during this time.We were then told toward the end of our forbearance program that we would have to pay the entire amount back in total. If it were possible to tack the additional forbearance loan they would charge us the current interest rate which they said would be much higher. I have been paying the entire amount in monthly installments allowed by the bank and they are still sending me late payment notices. After about 10 calls and arguing my case i find they have been putting my payments in the wrong place in my accounts. All i receive from my calls is sarcasm and threats Now they tell me its illegal for them to not add my forbearance and they cant charge me interest.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report. 
Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses. 

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NY
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:
The credit reporting agency has blocked me from accessing my credit report when needed and have blocked my social security number from applying for credit.

Company response to consumer: Closed with explanation