BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} 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 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 2022-03-31
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:
In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: SC
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 acc

ordance to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666 ( a ) Time to make payment 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Receivables Performance Management, LLC
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:
Its a derogatory account on my credit report name RECEIVABLES PERFORMANCE stating that I owe {$130.00} in collections which is incorrect because my account is still active and open with XXXX  who illegally sold my information as debt when it is not debt and no balance is owed because my account is still active and open!!!

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TN
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:
My student loans were with XXXX for many years. This year I applied for PSLF forgiveness and was granted it. XXXX Transferred my loans to XXXX as part of this process in XXXX XXXX XXXX. My credit reports, after forgiveness, still show a balance on the XXXX loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the three bureaus. On the very first dispute, the wrong information was removed by XXXX, but both XXXX and Experian state that the information is verified as correct by the Dept of EdXXXX XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to XXXX. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from XXXX. The documentation I provided was the disputes themselves, Letters from both XXXX and XXXX saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my XXXX  text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than 2 weeks. Can I sue XXXX or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ASSOCIATED BANC-CORP
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a loan for a used car XX/XX/XXXX from Associated Bank. I have consistently had problems making payments through their website, with checks, etc. I have made all my payments but they are showing me in arrears. Not only have I made the monthly payments I have made principal payments of XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. The first time I tried to make the principal payment in XXXX of XXXX through their website they sent me a letter that my bank did not send. I don't know how that happened but made the payment a second time through their website which they finally received. XXXX 's payment I mailed a check on XX/XX/XXXX along with other checks for bills, etc. The other checks were cashed but Associated Bank called me saying I didn't make XXXX 's payment. The check was never cashed. I was told they would take XXXX payment from the XXXX principal payment I sent in XXXX. That was XX/XX/XXXX. To date, this payment has not been applied to the loan and every time I call they say it is on their end but my account online still shows behind. First it was I needed to wait 24-48 hours for it to show. It is not XX/XX/XXXX and we are well past the 24-48 hours. They also make making principal payments difficult stating that when I do that I need to call every time and tell them to apply to principal. I am NOT late on this loan nor have I ever been late on ANY loan I have ever had. It is difficult and arduous to talk to this company and when they say its taken care of why wouldn't it show on my online account. Every time I call it is a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The situation began when my mother, XXXX XXXX ( now deceased ) took out a loan on the property under XXXX  XXXX XXXX  XXXX. I ( XXXX XXXX ) was listed on the original loan as well as the deed to the property. As of XX/XX/XXXX, my mom received a letter stamped Paid and a copy of the deed. When XXXX XXXX assumed the loan, the terms were rewritten, eliminating me from the loan, but retaining me on the deed. After my mom pass away, I tried to have the loan/deed of recordation straightened out to reflect rightful ownership ; however, XXXX XXXX refused my request and told me I would never get the loan refinance into my name to just keep paying on the XXXX XXXX XXXX XXXX loan. 
The XXXX XXXX XXXX document was in the amount of {$64000.00} on XXXX XXXX with an interest rate of 13.81 % amount of {$820.00} a month for 20yrs and the maturity being XX/XX/XXXX. The Mortgage payment history statement show the interest begins XX/XX/XXXX, and loan amount of {$67000.00}. Maturity date XX/XX/XXXX. I ask for some assistance on reading the loan documents and no one could tell me what was happening, so I continue to pay. We were behind on the notes in XXXX amount of XXXX which I filed bankruptcy in XXXX. And every payment was caught up and the mortgage was being paid every month until the Maturity date arrived. XX/XX/XXXX I ask for a payoff balance from Carrington and they loan amount was {$38000.00} and if not received after XX/XX/XXXX it will require a XXXX interest per day. I contacted an attorney due to the loan is not in my name. I was not happy with this request paying for 20 yrs. on a XXXX and nothing went to principal. Is this legal? I paid in good faith to the best of my knowledge. Now they are starting foreclosure on my property. Persons should not have to lose properties and/or their mind due to the unlawful, unethical conduct of this Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 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 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
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:
I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received letter that a Discovery card was denied on our behalf and not funded due to not having enough information. We did not apply for card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report from Transunion. The credit report showed a credit inquiries that I did not authorize. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I ask that they please remove this inquires listed below : XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I ask that TransUnion please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 

Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except that ( A ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Thanking you in advance, _________________________________

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a bmo account holder and i take XXXX payments from clients at work using email. a few months ago i noticed my email was compromised from XX/XX/XXXX XXXX thru XX/XX/XXXX XXXX on XX/XX/2022 i reached out to a client at from work because i didn't see his payment on my bmoharris account i then realized i have not gotten any payments from him since Hes came to get serviced by me. i opened my email then noticed a chase account had received up to XXXX payments dating back to XX/XX/2022 ..after a long call with chase representatives and transferring me to different departments with chase giving me the run around i finally was able to open a claim its been XXXX months and i try to reach out to them and leaving voicemails they haven't reached out.. approximately about XXXX dollars are owed. I am really frustrated I'm giving up but i also know theres more people going thru what i am going through. I would love to see a change with these banks as far as taking further action with their own clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: IL
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:
I didnt make the inquiries on my credit report. I disputed them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief