BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: WV
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:
Nothing happened a total disregard for the laws Thats all set in place to protect the consumer. It says in fair credit reporting act I have the right to privacy I need all that information deleted off my credit report its all inaccurate. 15 USC 1681 section 604 a section 2 it also states that a consumer report an 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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 reached out to the credit bureaus of XXXX, Trans Union, and XXXX in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.

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 2022-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit Acceptance closed my account On XXXX, we reported the account as paid in full ( voluntary surrender ), and the closed date of XX/XX/XXXX. The closed date that the company is reporting to the bureaus is re-aging the account because the original delinquency date was in XXXX. I appreciate Credit Acceptance for closed the account but they should not be re-aging the account because I made no payment to them. They agreed to close the account not no re-age 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 2023-04-05
Company: CarMax, 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 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 45 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ABILITY RECOVERY SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX RE : Disputed Account # XXXX I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2021-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
A collection account in the amount of {$440.00} was removed from my credit report from XXXX  after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX  XX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.

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 2022-06-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2023-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Despite me paying my own taxes and insurance and there being no requirement for a escrow account on a VA Loan my mortgage was sold. Under the new lender, Citizens Bank, they have a policy of an escrow account for the life of the loan. I have paid my taxes for the year as well as my insurance so my escrow is only getting refunded to me every year. I have tried to resolve this with the company and they have informed me that there is no escrow waiver available as a company policy. They will not provide me with a copy of the policy or any documents other than to tell me it is policy to maintain an escrow account. I have provided them with a {$0.00} due bill from the county treasurer but they still say I have to pay roughly $ XXXX/month to pay for what has already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} through the Chase Mobil App. I received a confirmation of the successful deposit of the check, followed by the email from chase online banking through the secured portal the following day, on XX/XX/XXXX. The email instructed that check is beeing reviewd and that the funds will be available on XX/XX/XXXX. On XX/XX/XXXX, Chase withdrew {$10000.00} from my checking account, alleging that the check was altered/fictitious and resulting in a negative balance in my checking account. XXXX XXXX, who wrote me the check, confirmed that she wrote this check to me in her written statement, the check was not altered or previously deposited. There was no mutual agreement that this check will be voided or destroyed by me. The check was not altered by any means since it was given to me as a payment for the her rent and living expenses. I have been trying to resolve this with my bank since XX/XX/XXXX. No resolution as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 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 2022-06-11
Company: SYNCHRONY FINANCIAL
State: NJ
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 notified synchrony bank that this was Freud months ago regarding this account. They were supposed to talk to my son and I talk less the lady a message and they never called my son back. And this was a fraud account that Im not responsible for putting collections I am not responsible for this 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 2023-11-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL
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: Was not notified of investigation status or results

Complaint:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say

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 2022-10-07
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX LA XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
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 sent a formal complaint on XX/XX/XXXX stating that XXXX and Experian are in violation of FCRA 15 U.S.C 1681s-2 : 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. 

The following account is inaccurate, having reported different dates of last activity and different high credit/balance amounts across all three credit bureaus. Fortunately, XXXX and XXXX did accurately fix my account after my initial inquiry, however Experian still has yet to do so. 

Creditor : XXXX Account # XXXX Additionally, they are in violation of 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) which states income is not to be reported on a consumer report. XXXX has already written off the debt to the IRS, therefore it should not be reported to any credit bureau, as it has been reported as a loss on their end and ordinary income on mine. If this account is not removed from my credit report immediately I will report XXXX to the IRS for 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 2021-08-26
Company: Premium Credit Bureau
State: FL
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:
Premium Credit Bureau is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MI
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:
So i've tried to dispute these things with the different credit agencies. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 



These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received my monthly bill showing several charges for extra airline luggage we checked on a flight to XXXX Ohio on XX/XX/XXXX and to XXXX on XX/XX/XXXX. The amounts were {$100.00} each way. In XXXX AMEX asked me to upgrade my credit card which would increase my annual membership {$150.00} per year. One of the caveats to this was I would get {$100.00} credit on anything I purchased with the airline if I used my AMEX card to book the flight which I did. I was given this in XX/XX/XXXX but when I called about my {$100.00} credit for this for the XX/XX/XXXX charges I was told that I had to register the airline with AMEX to get this. I was never told that and if I was, I would not have taken it because I fly different airlines depending on costs, layovers, etc. Their response was they would not give the {$100.00} credit and when I told them to downgrade my card so I would not pay the extra {$150.00} per year, I was told I would have to go with a standard AMEX XXXX card. I have been a loyal, on time paying Gold Card member since XXXX. I would think that 31 years of loyalty would be something but instead it is okay we will charge you more, not honor what we told you and if you don't like it we will downgrade your card. I guess since I pay it off monthly they are not making enough money off me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due hospitalization and return to work date, I called Capital One ( XX/XX/2022 ) to request a skip pay for XX/XX/XXXX, the skip pay was successfully I was told to wait 24 hours for system to update and it was. On XX/XX/2022, i received a past due email stating I need to make a payment. The first representative placed me on hold for 5 mins then disconnected the call. Second call- I spoke an representative to ask for a supervisor. They transferred me to XXXX XXXXsupervisor and did not want to handle the call so I was transferred back to another department. Ive spoken to XXXX before and she was very argumentative and condescending. I was speaking to her and she dropped call and I talked to another agent. This agent started with my charge, finance charges and payment from XX/XX/2022 which had nothing to with the skip pay. I asked several times with several representatives that does not use their resources to answer the customers questions. The outsourced representatives are more concerned about their Average Handle Time than the customers. I find it very difficult to resolve issue with Capital One customer service. This should have been a 10 mins call which would have helped their AHT. Third Call- I spoke to XXXX XXXX XXXX agent ) that stated I had a past due payment in the amount of {$83.00}. I asked her how can there be a past due payment for XX/XX/2022 when the money due was zeroed out. Instead reviewing the account before answering they provide XXXX transferred me to another supervisor that acted as though he could not hear me when he spoke it was every other word then phone disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Summary : I was a Wells Fargo customer between the years of XXXX. Although my credit was and is excellent I was given a no-doc 80/20 loan to finance the home. During that timeframe, I applied for a loan modification and was twice denied both times. I subsequently sold my home in XXXX to avoid losing it. Based a number of CFPB enforcement actions and class-actions I believe I am entitled to a settlement. I opened a complaint ( XXXX ) with Wells Fargo on XX/XX/XXXX and was denied. However, the investigation failed to address the loan modification issue and incorrectly treated the 80/20 loans as a mortgage that was later used to get a home equity loan ( XXXX ). I subsequently opened a second complaint ( XXXX ) on XX/XX/XXXX with XXXX XXXX, a supervisor that recommended a new claim to address the two distinct original concerns : discriminatory/predatory lending ( no-doc 80/20 loan ) and the denial of a loan modification. At one point he said, 'why didn't you file this complaint sooner? ' The second complaint was denied via a phone call from the case owner, XXXX XXXX. He said, 'the 80/20 loan I received was typical of that time ' so the claim was denied. He did not address the loan modification issue, when asked he said, 'I do not have an answer for why that might have happened '. He told me I would receive a letter recapping what he covered in the discussion and if I was not satisfied I could file another complaint. To date I have not received any such letter. It feels as though they are just kicking the can down the road to run out a clock. 

All of the paperwork and notes associated with these complaints are attached in chronological order.

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