BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.

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 2023-04-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Experian XXXX and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account that is incorrect is reporting on my credit report 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 2022-07-12
Company: CarMax, Inc.
State: VA
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:
On XX/XX/XXXX I sent a letter to CarMax regarding my account and my credit profile. Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. You sold my car in auction. I defaulted on XX/XX/XXXX. Which means you received insurance money! You took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! 

XX/XX/XXXX CarMax sent a validation of debt letter to me, verifying that I in fact do have a {$0.00} remaining principle with them. 

XX/XX/XXXX I sent out a letter to CarMax demanding my account be deleted and stopped being reported to the credit bureaus because they just verified that I had a {$0.00} remaining principle. 

XX/XX/XXXX I received a letter fro CarMax, stating my " complaint is generally unclear in its reasoning and intent. '' XX/XX/XXXX I mailed another letter being more specific on what my intent and reasoning is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$18000.00}, XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I spoke with Bank of America about my RV loan. I mentioned that I was out of work because of XXXX and was curious if they had a deferment program. I told them I would probably sell the RV, but the customer services rep told me about a deferment program where all the principal and interest is deferred for XXXX months. Since I had a similar program for my car, I took them up on their offer. During XXXX, I started noticing that all my payments were going to interest and none to principal. In XXXX only {$26.00} of {$4900.00} paid in XXXX was allocated towards the outstanding principal on my RV loan and a majority of these payments were overpayments. I contacted Bank of America and stated that this was incorrect as I was told interest would be deferred. I asked for a copy of the program I agreed to or the ability to listen to a recording of the call. They provided neither. I went to the OCC and they refused to investigate. I am asking that the CFPB require BofA to allocate more of my payments to interest and also pay a fine for profiteering.

Company response to consumer: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have no right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not finish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting energy 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting and see if the person also 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has on more than one occasion intentionally changed the date of first delinquency extending the reporting period on my credit file. I have disputed this information multiple times and the result is the creditor reported the account open with a past due status dropping my score by more than seventy points. This account has been closed and charged off for more than seven years classifying as a zombie account and yet they are getting away with fraudulently reporting inaccurate information as well as manipulating information to extend the damage. If that wasn't enough, retaliation for challenging the information. Despite furnishing older reports which reflect older original delinquency dates dating back to XXXX of XXXX XXXX, I have also discovered another date back in XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX refuses to correct this info rather they punish me by reporting different information to the three credit reporting agencies.

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 2023-02-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
this is more of a general complaint about Credit Card companies in general and specifically in regards to Wells Fargo. I made a one time payment for the amount that was being show as my " Outstanding balance. '' I do not remember the exact amount, however after making the payment I went about my life assuming that the debt was paid in full. I found however that there was apparently {$10.00} left over as the result of a lingering interest charge that the company assessed at the end of the billing cycle. This is a deceptive practice, when I am presented with an option of " Outstanding Balance, '' I am led to believe that this is the amount to discharge my debt and result in a {$0.00} balance. In the event that the companies can not live without that fractional interest payment, they should have to offer a " pay off '' amount similar to car and mortgage payments. This is more transparent to the consumer and less confusing. In my situation, I was about 10 days from having a missed payment on my credit report, luckily I did not treat the communication from my financial institution as spam. I wonder how many people are adversely affected by this practice?

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 2019-10-23
Company: Experian Information Solutions Inc.
State: PR
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:
In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee

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 2023-01-30
Company: EQUIFAX, INC.
State: VA
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I went to buy an new car and I got financed through XXXX  XXXX. They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my care in person. They also, told my checks are invalid. Im guessing they saying this because they think Im high risk. 
Well, that clued me and realized I had an problem with XXXX XXXX XXXX XXXX  and reported reported me to Chexsystems. It was an mistake at the bank on XXXX, No. the Bank had it removed From Chexsystems. I found it wasnt removed. There an problem at Chexsystems. I tired calling but just telling to put in an dispute against the bank. The problem is that Chexsystems did not remove it. I called the bank and on there end was removed XXXX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.

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 2023-09-05
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I HAVE BEEN EMPLOYED WITH THE XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX. I HAVE BEEN MAKING ON TIME PAYMENTS ON MY STUDENT LOANS SINCE XX/XX/XXXX. I RECENTLY SUBMITTED MY PSLF CERTIFICATION TO MOHELA AND WAS TOLD THAT MY PAYMENTS WERE INELIGIBLE SINCE I WAS IN DEFERMENT OR FORBEARANCE. I WAS NOT IN DEFERMENT OR FOREBEARANCE AND WAS MAKING ON TIME PAYMENTS EVERY MONTH. 

I NOW RECEIVED A LETTER FROM MOHELA DATED XX/XX/XXXX STATING THAT MY APPLICATION FOR IN SCHOOL DEFERMENT HAS BEEN APPROVED FOR XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX : I NEVER APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN WORKING FULL TIME FOR THE XXXX XXXX XXXX XXXX  XX/XX/XXXX AND MAKING ON TIME PAYMENTS! 

THE LETTER STATES THAT I HAVE BEEN APPROVED FOR IN SCHOOL DEFERMENT FOR SEVERAL PERIODS, INCLUDING XX/XX/XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX. 

I WANT THESE DEFERMENTS TO BE REMOVED FROM MY ACCOUNT AS THEY ARE WRONG-I HAVE BEEN EMPLOYED FULL TIME AND MAKING ON TIME PAYMENTS DURING THOSE PERIODS OF TIME! I XXXX  XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN XXXX XXXX XXXX XXXX XXXX  SINCE XXXX AND MAKING ON TIME PAYMENTS FOR YEARS-THIS IS PREDATORY BEHAVIOR AND SIMPLY WRONG. PLEASE HAVE THEM REMOVE THESE DEFERMENTS AND HAVE MY LOANS CORRECTED TO BE IN REPAYMENT. I WOULD LIKE TO HAVE MY PSLF COUNT UPDATED FOR THESE PERIODS OF TIME AS WELL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX  account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: AZ
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 last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts 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 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 2023-02-12
Company: EQUIFAX, INC.
State: GA
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 a fraudulent address on my credit report Thats need to be removed I have contacted these companies on several occasions with my FTC reports and everything these addresses are not mines and need to be removed, Also Payments history is inaccurate on 4accounts on my credit report Ive sent several letters and disputes says its updated but when I look on my report theres no update

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX  XXXX XXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by 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 non-monetary relief