BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: PR
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2019, between XXXX and XXXX XXXX., US Bank sent out a third party vendor to my address # XXXX XXXX XXXX, XXXX , AR XXXX ( which is really in XXXX, Arkansas ) and they went in and winterized the house. The order # that was left on my front door was # XXXX ( name of company XXXX ), they stole a bunch of stuff out of my house and destroyed some of my stuff, which US Bank says I still own the property as of right now. I have made a list of all the stuff they stole. 

XXXX '' XXXX Digital Photo Frame Deluxe XXXX Coffee Maker and a box of coffee that was never opened ( both brand new ) XXXX Juicer Expensive pair of binoculars 1 or 2 totes, they threw my pictures in the floor and stole the tote they were in XXXX  Woven Clothes Basket, brand new A XXXX Digital Camera XXXX XXXX Lantern, still in the box A Single Serve Coffee Maker, stainless steel with a stainless steel cup that went with it XXXX  XXXX  XXXX Tree in a XXXX  box with soft gel like flowers on the ends of the branches They broke a brand new big picture frame They broke a new set of Owl Bowls in the kitchen XXXX XXXX XXXX XXXX Ice Cream Cone Maker XXXX and Stainless Steel Waffle Maker, brand new I've tried talking to US Bank several times, about this, and they won't help me. 

They won't give me the third party vendor 's phone number or anything either. 

US Bank should be liable since they are the ones who sent these people out to my house. 

Sincerely, XXXX XXXX XXXX phone XXXX Work phone 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 2022-03-29
Company: SECURITY FINANCE CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the 1800 customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was 18, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.

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 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 disputed this account with XXXX Credit Bureau. This account is still being reported to my XXXX Credit report. 

CFPB Report # 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 2020-12-16
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 information incorrect

Complaint:
I had a XXXX XXXX XXXX XXXX loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

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 2021-08-24
Company: Synovus Bank
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Bridgecrest Acceptance Corporation
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I reached out to Bridgecrest to notify them of payment arrangement I would like to make as I would be overseas for three months due to health issues. I was not in arrears at all at this time but foresaw the possibility of an issue as it was the height of Covid and XXXX was beginning to shut down. It was suggested I pay through the portal which I did. During my time overseas I contracted XXXX and was unable to return back to the states during which time I had to fund my own stay after a month of quarantine. On arrival back to the states Bridgecrest had called and refused to accept payment after two late months through their website and my bank registered through their payment portal. I portions of my balance several times and the amounts were returned. I was then penalized for non payment and told I could only pay with a debit card. My payments totaling {$2000.00} were in limbo between my bank and the Bridgecrest payment system and I was told to wait 10 days in order for my funds to return back to my bank account at which time I can only pay with card. During this time Bridgecrest repossesed the vehicle and rejected another payment I made through their portal and order to retrieve it. I believe Bridgecrest is acting in a harmful way in order to sell the property which is under contract with me and that I have been trying to make payments in good faith on in order to sell the vehicle at auction for a profit. I am employed and have been calling the recovery department since I have returned on XX/XX/2022. I want to be given a fair chance to repair my relationship with Bridgecrest, be given a chance retrieve my vehicle, and go about balancing out the loan. I do not want to be the victim of these aggressive practices that have put me under great financial strain, mental anguish, and confusion in attempts to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-05-12
Company: EQUIFAX, 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:
hello to whom to may concern i had autopay with XXXX XXXX and for one reason or another payment didn't get deducted and a late payment was reported in XXXX XXXX i reached out to XXXX  and they assured me that the late payment was reported by mistake, due to autopay not working and XXXX  agreed to remove late payment from all credit bureaus. I spoke to XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst. i even spoke to both of there supervisors and they also confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report.

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 2021-07-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, Chase closed my checkings and savings accounts saying that they think XXXX checks I deposited in XXXX are suspicious because they couldn't verify the issuer of the XXXX checks. By the time they closed my accounts, the remaining balance is around {$5800.00}, and Chase has been freezing my money for over XXXX and a half months. I have contacted Chase customer service multiple times, but the customer representative keeps telling me they are going to hold the funds, and they can hold it for as long as XXXX years. And today I received a call from the issuer of the XXXX checks verifying that the funds have been cleared from their end, meaning the money is already in the Chase system. I have to sell my car to cover my living expenses for the past XXXX months and this has caused so much incovenience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: TX
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:
There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the third complaint now regarding Experian 's reporting of a medical debt in my credit report. Experian 's prior response to my complaint that it had agreed with most US State 's Attorneys General not to report medical debt within the first six months was met with a ridiculous response here at the CFPB. Experian stated that, rather than the 30 day investigation period mandated by law, it would now take 60 days to make a determination that could be adduced by a plain reading of the entry in the report. The entries reported by Experian are cleary within two months of the date of first delinquency ... not six. The entry should be removed on that basis alone, not invoke a new 'investigation ' period of double the amount permitted by law.

But that is not the purpose of this complaint. It gets worse. Experian next purported to have removed this entry and DID remove the entry. See attached report of XX/XX/2019. And so I stopped purusing the matter and when I again checked my credit report on XX/XX/2019 the information had re-appeared ... again in violation of federal law. 15 U.S. Code 1681i requires Experian to notify me within five days of reinsertion, which it did not do.

I expect that, once again, Experian will simply state that it will take another 60 days to 'investigate ' with the collection agency. However, NEITHER issue above requires any investigation at all with the collection agency. Quite frankly, it is apparent to me that Experian considers the Consumer Financial Protection Bureau to be a joke that it responds to complaints in this manner and watches as the CFPB deems the matter resolved and closes the case in the face of blatant and proven FCRA violations. I consider myself a consumer advocate, but perhaps Donald Trump has this one right and your agency should just be dismantled as a waste of taxpayer money.

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 2019-01-31
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help 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 explanation
Consumer complaint received 2023-11-16
Company: Capital Accounts, LLC
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NJ
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief