BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MA
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 have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by XXXX XXXX XXXX XXXX, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain

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 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan was originated with Sun Trust bank in XX/XX/XXXX. At the time, I setup a monthly recurring payment to cover my required balance through Sun Trust 's online portal. During late XXXX, I was notified via mail my loan would be migrating to Truist and was directed to create a new online account on their website. This letter also advised that any recurring payment plans setup through Sun Trust would not migrate over to Truist 's website and needed to be re-established. The letter advised this transition would occur at the end of XX/XX/XXXX. 

In XXXX, I logged in to Truist 's website, registered a new online account and setup a new monthly recurring payment plan. The website did not indicate or note that any existing payment plans were in place. In early XXXX, I checked my banking account with XXXX  XXXX XXXX and noticed two recurring payments had been withdrawn in the amount of {$310.00}. I immediately attempted to call Truist, but was advised the hold time would be over 60 minutes. Unable to wait this long, I tried again the next day, but the hold time again was over 60 minutes long without any sort of way to expedite. 

I attempted to reach out to Truist via XXXX and was offered a call back, however no time was provided and this attempt was made while I was working and unavailable. 

To try and fix this issue, I logged into my account in early XXXX and attempted to modify the existing recurring payment plans. Upon logging in, no payment plans were listed despite two payments being withdrawn. I did see my banking information listed through so I deleted it from the site. Upon deleting this information, I received a note indicating two pending payments ( for XXXX ) would also be deleted. This note was received despite no pending payments appearing. I continued with this action and received confirmation my banking information had been removed. 

At the end of XXXX, I again checked my XXXX XXXX XXXX checking account and noticed two recurring payments had again been taken out for {$310.00}. When logging into my online account now, I was able to see a log of all payments taken ( which wasn't the case before ). I deleted all pending/upcoming payments, but remain concerned that this won't be successful. I was able to get a hold of someone after a one hour wait on XX/XX/XXXX. They confirmed two refund checks would be mailed within the next XXXX days and no future recurring payments would occur. I am hopeful this will resolve my issue, but remain concerned that deleted payment information remained accessible for Truist to draw payments from.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 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 explanation
Consumer complaint received 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During my trips to XXXX and in XXXX this year, I was charged 3 percent foreign transaction fees for every purchases I made while abroad. 

Their associates never informed me of the foreign transactions fees when I opened the account at the Bank of America Branch in 2022. 

I have called their customer service department and credit card department many times but they did not provide any explanations.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made 2 online purchases with XXXX on the same day. First one was ok, second one we received a fraud alert, asking if we authorized the purchase. We replied that we did, and was told the charge was denied by Chase, and if we still wanted the item, we would have to repurchase. 
Why would Chase tell me to authorize another purchase with the same vendor that they consider fraudulent? 
Since we thought the charge was denied, we repurchased with another vendor, only to find out that the original charge with XXXX went through. Why would chase allow this vendor to re-submit the charge if Chase thought it was fraudulent? 
Was told by someone in Fraud Department that they could not take the XXXX charge off, and we had to talk to the dispute department. The dispute department told me to talk to the fraud department. Both said I would have to contact XXXX for a refund. 
Why do I have to dispute a charge I authorized in the first place and the burden falls on us to resolve this, when it was their fault. Had to drive XXXX XXXX round trip to XXXX ( we live in a rural area ). Hopefully they will cooperate but I have to wait to hear from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was never notified of the debt owed ( {$33.00} ) until it hit my credit report and still have never been contacted by them. This is not okay. Especially not when it involves someone elses credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 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 : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.

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 2022-03-26
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:
In accordance with the Fair Credit XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX  XXXX, XXXX and XXXX XXXX 15U.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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NC
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:
Equifax literally ignored my ftc report proving these items were fraudulent added onto my account they literally told me the next day it was verified when I literally have proven and provided proof of fraudulent activity and they still leave things on my credit report i should sue these bureas with are well within my rights this is not a investigation they totally disregard my ftc report and leave everything as verified when its clearly fraudulent please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All these unknown addresses I want to remove that from my report all these credit that I want to remove after my report all of them I did not give them written permission to sell my credit 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 explanation
Consumer complaint received 2023-03-12
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 # 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 an open end consumer credit plan as late for purpose. 
86

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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 # 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 an open end consumer credit plan as late for purpose.

86

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 2023-06-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the specified accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported in any way, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate removal from my consumer report, as their presence infringes upon multiple laws. Please take prompt action to remove these accounts and information without delay.

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 2020-03-18
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech sold my mortage to XXXX the End of XXXX / beginning of XX/XX/2020. I accidentally sent my XXXX Payment to Ditech instead of XXXX. The payment was sent from my account on XX/XX/2020 to Ditech. I supplied all supporting documents like they asked to show proof of the payment. They sent back a response stating that they payment was not relieved by them. I also have proof of the two payments that I have made since the XXXX  on XX/XX/2020 & XX/XX/2020 that I have made out of my bank account. These payments are the only two payments applied to XXXX. My XXXX payment was not transferred to XXXX from Ditech. I will supply all supporting documents when needed - Ditech ( payments made to them & the dates ) to XXXX ( payments made to them & the dates )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation