BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: DC
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. 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 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 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 2023-05-25
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX 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 2022-10-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX, and Equifax Full name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name XXXX XXXX XXXX Account XXXX XXXX -- Not my account x -- - Was never late -- -- -- Account paid in full -x -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account -- -- -- x Was never late -- -- -- Account paid in full -- -- -- x- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXX -- -- Not my account X -- Was never late -- -- Account paid in full -- -- -x -- Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. 

Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-11-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had made a payment of {$240.00} on XX/XX/. I was told it would take a couple days to clear. To this day, XXXX XXXX XXXX my available balance has not reflected this payment. The bank was charged a day after payment was made and the payment shows it went through through the credit card 's online services. I made several calls. At first I was told it would take a couple days. So I called five days after the payment was made and I was told it would take 5-7 business days and the reason it would take this long was because I made several payments in one billing cycle. I called last week and was told it would take two weeks so by the end of the week ( today, XX/XX/XXXX ), my balance should reflect payment. I was told in order for it to clear before the date, I needed to have a conference with my bank. The representative I called on TuesdayXXXX XXXX XXXX XXXXXXXX said he couldn't complete the conference because there's a lock on payments that not even a supervisor can override. I called today, XX/XX/XXXX, and had a conference with my bank, but the representative was only able to reflect my most recent payment which was {$40.00} made on XXXX XXXX XXXX, posted through my bank account XX/XX/. So when I called back again, a different representative told me the {$240.00} payment had a 15-day hold on it. The only way to clear before then was to have a conference with the bank. However, the call where I had a conference with the bank mentioned both payments ( {$240.00} and {$40.00} ). So I told the representative I already had a conference and mentioned both payments posted. He just kept saying it should clear by tomorrow, XXXX XXXX XXXX. When I asked him why this hold took place, he couldn't give me a direct answer. And when I asked him how to avoid this from happening again, he kept saying to have a conference with my bank and was assuring me it actually wouldn't happen again. When I asked him how this hold would be any different from any future ( potential ) hold he said, " Very good question. You see, Target- '' and he disconnected the call to avoid giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, there are 2 transactions from my credit card company listed as XXXX XXXX ( which is XXXX XXXX XXXX XXXX One of the transaction ( $ XXXX ) is my credit card balance which is good but XXXX XXXX also pull additional {$470.00} which I don't understand. 

XXXX XXXX Withdrawal - {$5900.00} XXXX XXXX  Withdrawal - {$470.00} XXXX contacted both my bank ( XXXX Money ) and Elan Financial Services. My bank confirmed that both transactions went through. I contacted Elan Financial Services ( XXXX XXXX ) a few times and they kept saying the {$470.00} is not in their system. I didn't initiate that transaction as well. They kept insisting that there's nothing they can do if they don't see it in their system. 

Now as a customer to the credit card, it looks like I lost {$470.00} which is hugely unfair to me given that it looks like an issue on Elan Financial Services ( XXXX XXXX ). From external point of view, It looks like the system of Elan Financial Services is not sound or buggy.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: PA
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:
INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : 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 2016-05-05
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
our mortgage company XXXX sold our loan to Nationstar in XXXX ..nationstar is saying that we are behind XXXX payment since XXXX of 2015..when we were with XXXX. I have all my checks and paperwork from XXXX showing all of our payments were made and escrow was sent to Nationstar as of XXXX 2015..I have called Nationstar 13 times they gave me false email accounts. false fax numbers. talk to a manager emailed her proof everything was paid. they will not try to fix the problem or help me out..they just keep saying I am behind a payment. not with them ... .but when I was with Ocwen..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never contracted services with NATIONAL CREDIT SYSTEMS. I have never received any written communication to be able to review this alleged account prior to it showing up on my credit file. Upon reviewing my credit file, this alleged account is also beyond the STATUTE OF LIMITATIONS. NATIONAL CREDIT SYSTEMS is clearly in violation of the FCRA for failing to even notify me of this account, it simply appeared on my credit report. I will prepare a media kit to expose the fraud that has been committed against me to all local and national news stations alike if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to Experian. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

XXXX is reporting my date of delinquency as XXXX of XXXX Experian reports my date of delinquency as XXXX of XXXX and XXXX does not report a date at all.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent in the Lending Act 15 USC SECTION 1601-1692 and asked verification of these claims of the debt I claim to owe.

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 I reported a identity theft fraud issue where someone opened up a checking account in my name the associate closed it out and gave me a fraud claim number XXXX at that point I Froze my check system profile to prevent this issue from happening again but Bank of America allowed another checking account to be open in my name which was again fraud on XX/XX/23 without taking additional steps to block a new account from being open claim number 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 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.

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 2023-11-18
Company: American Credit Acceptance, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : American Credit Accp. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer 1 or more payments or forbear any delinquent amounts. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX ( XXXX ) XXXX  during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX  XXXX ( XXXX ) XXXX  declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 


That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: PA
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:
Contacted XXXX XXXX XXXX numerous times about incorrect reporting of delinquency payments. They had no record of it. Closed our credit card over 3 weeks ago and they are still reporting false information on credit report effecting 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 explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital one changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but capital one bank and capital one XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: OH
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 sent in the Lending Act 15 USC SECTION 1601-1692 and asked verification of these claims of the debt I claim to owe.

Company response to consumer: Closed with explanation