BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
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: Account status incorrect

Complaint:
Experian is failing to update their records on my credit file. I disputed inaccurate information which was listed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on XXXX 's side & I was never late during that time. XXXX informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with Experian and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like Experian to be held accountable for complying with FCRA sections 611. I'd also like Experian to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disconnected the account and was given an incorrect final statement. XXXX XXXX XXXX keeps submitting my account to collections after repeatedly trying to fix the issue. XXXX sent me an updated statement reflecting a negative balance and even sent me a XXXX giftcard with the balance they owed me. I disputed it with a previous collection agency and they removed it, now a new collection agency is trying to collect on the same wrong balance. XXXX XXXX XXXX is extremely difficuly to communicate with. I have spent hours on the phone trying to resolve it.

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 2023-03-28
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
AFFIRM reported 3 of my accounts 30 days past due. I have had all those accounts over 7 months and no where on my XXXX report does it show any of other payments, on time or late, only a past due amount, which is not correct. When I requested a verification letter be mailed to me of my loan and to be sent via mail I was denied, as I wanted to see the documents I signed and aggreed to credit reporting. I also inquired as to why no other payments had been reported for over 7 months. I have been using affirm since 2020 and have not had any accounts reported until now. I am requesting the fraudulent information be removed immediately and {$1000.00} compensation for the suffering that I have endured due to the falsified reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX 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.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 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

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 2020-02-05
Company: EQUIFAX, INC.
State: SC
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:
I recently tried to establish an online account with MyEquifax.com to review, request and use the services of that site. My wife and I had just previously signed up for the fraud protection service in reference to the Equifax breach. We successfully did that process. After that I went online and completed the MyEquifax registration but the system would not complete the process and a popup told me to call in. I did that and the representative told me that she could not help but would expedite my account registration. On a side note, my wife also signed up for an account and was prompted that she would receive a code to further complete the process. After 41 years of marriage and using the same info a lot she accidentally used my email for her sign up and this cause the system to lock our accounts permanently because of like information on two accounts. She received her code but was not able to log on. I did call again after not hearing back and another rep told me the same story, so after another wait I found the fraud department line and called it. After the verification process the rep told me that because some of the same information was used for both accounts that we would be permanently barred from a MyEquifax account with no recourse. With everything online now this will limit our abilities to access our information for an honest mistake. They can see that we didn't gain access and we have verified ourselves to death but would gladly provide more to fix this. Ironically we immediately went to the Equifax.com Lock and Alert page and signed up for that service so it seems our information was not locked down. We are glad to have this service but would like to have the MyEquifax account also. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an 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 2022-03-07
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resubmission : I have reached out to first national  XX/XX/29 to request validation and I have not heard back from them. They are reporting inaccurate information, continually saying reporting that an account is negative every month, AND on top of their continuous reporting, they have not updated the file that I requested a dispute on the alleged account which according to section 1692e ( 8 ) is a violation of the FCDPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2019-08-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Date of event XXXX-Navient withdrew {$690.00} from account for payment, claimed that application was not signed. When submitted it was signed electronically. When called the services stated they would credit funds back to account. As of XX/XX/19 no sign of such has been indicated on the account. I am a XXXX employee and the deduction will leave me unable to pay my bills and purchase gas for my travel to work. This is an extreme hardship that I can not possibly afford. The worst part is my bills are on auto draft. This will equate overdraft fees of {$24.00} per draw. The last time I had an issue with Navient I was charged {$96.00} in overdraft fees that I was never reimbursed. As a XXXX   employee I have very little cushion outside my monthly expenses. Like most Americans I do not have a large saving that can sustain me past this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX  ( account number : XXXX ) XXXX  XXXX ( account number : XXXX ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2021-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX shows opened in XXXX/2012 this is not my account. My identity was stolen and has been being used for years. They have opened bank accounts in my name while making some payments and leaving others my social security card along with my identification and birth certificate has been compromised I have filed a police report, written letters to the company and to Experian, I've sent in lease to where I lived in 2012, sent in proof of identity and a bill showing where I reside now. Its been years and Experian still has this on my report, the creditor hasn't responded for years after sending certified letters. This information needs to be blocked from my Experian credit file. They are in violation of the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent XXXX finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of XXXX, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

So if XXXXXXXX finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told XXXX finance that the vehicle was traded in.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
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:
Experian XXXX XXXX used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account. 
No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2020-02-05
Company: KEYCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I reviewed my Uniform Residential Loan Application over the phone with my loan officer, XXXX XXXX. During this phone conversation, we had a conversation that explicitly and unequivocally confirmed my occupation as a XXXX XXXX, which XXXX made sure was accurately written on two different places on my application ( bottom of page one, and top of page two ). I proceeded to review the final draft of the application and then sign it, indicating I agreed with all of the information on it and that there were no errors. 

KeyBank ( XXXX XXXX ) then offered me rate of 2.625 % / APR 2.733 %, which I locked on XX/XX/XXXX. They issued me a loan estimate to reflect the lock-in. Four days after the lock-in, on XX/XX/XXXX, my loan officer XXXX XXXX called me to say he was very sorry, but he would have to increase the rate they were offering me, despite the fact that I had signed a lock-in. 

XXXX XXXX XXXX reasoning was that the rate he offered me was based on him mistakenly looking at rates offered to a DIFFERENT professional occupation from my own. This is despite the fact that my signed, finalized copy of the Uniform Residential Loan Application explicitly and unequivocally states my occupation, and does not anywhere state that I work in the DIFFERENT professional occupation he mistakenly believed I was in. 

Again, this is the finalized copy of the Uniform Residential Loan Application which he and I went over line by line together, and which I signed and confirmed to be accurate before I was offered the rate I locked in. I believe KeyBank and XXXX XXXX are breaking the TILA and therefore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I mistakenly made transfer of {$1400.00} from my Bank of America Account into my credit card on XX/XX/2023 instead of transfer to my hubby 's account in other to settle our bills. My hubby notified me the next day that he did not receive the money I transferred. That when I realized my mistake. I made a call to BOA XXXX times that they release the excess cash back to my account and I went to XXXX of the branches here in Texas to log complaints. 

The calls ( XXXX times on XX/XX/2023 ) and visit ( on XX/XX/2023 ) to the branch ( the located on XXXX, XXXX TEXAS ) did not provide me solution, but conflicting resolutions times : two days, five days or ten days respectively. Another option is for me to take advance of {$200.00} and charges of 5 %. And nothing has been done. I decided to start spending the money since the excess of {$990.00} was in my credit card, because my spouse had to provide for the another way. 

I went to the grocery store and my transaction was declined today, XX/XX/2023, and I called support to log my compliant about the transaction, but the support told me that I can not spend more than {$500.00} credit limit within the billing cycle.

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 2022-11-25
Company: Experian Information Solutions 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 XXXX XXXX Account Number : XXXX, XXXX  Account Number : 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 An 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