BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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: Account information incorrect

Complaint:
I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX XXXX account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).

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 2020-07-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
As of today, my Equifax and connecting reports with XXXX and XXXX. My credit report went from excellent then dropping 11 points to very good. 

I am being mislead after the company breach that my information was part of. 

I have never been late with payments and have an excellent history with my score. 

Now they want me to get more credit cards, that they suggest and are surely benefiting from, to raise my score again. This is awful and these companies should be ashamed of themselves. 

Im in the process of renting an apartment and they are getting a lower score of Very Good instead of Excellent. I am not willing to get more credit for anyone elses benefit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in XX/XX/2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX University, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in XX/XX/2016. Experian is clearly not even investigating the 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 explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: TN
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:
i got a loan of {$20000.00} from you all and {$19000.00} was taken out of my account.I tried to screenshot it to save but the history vanished from the account and the money was taken off without saying so in the transaction history.It was as if there was some glitch in the system.I need help with this problem immediately.My email is XXXX.I would like to be reimbursed immediately ill send my checking account and routing number immediately.

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 2022-12-31
Company: EQUIFAX, 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 XXXX XXXX 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 states : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 I XXXX  XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. 

NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. 

To date, I XXXX XXXX have not received a response from PHH Mortgage nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies are still attempting to illegally foreclose on my home. 

As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. 

XXXX XXXX. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking. 

I would like XXXX XXXX. and PHH to prove that XXXX or XXXX XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: OPORTUN FINANCIAL CORPORATION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Oportun Credit Card states opened a card in XX/XX/2022 and it wasn't paid on since XXXX of XXXX  and has been negative since and they say I now owe {$1800.00}. I have no recollection of this card. It is a fraudulent card. When I call Oportun they can't even find any information of me in their system. One of my ticket numbers they have provided me with is XXXX. I have filed Disputes to get this off my credit because it is not my credit card and I shouldn't have to pay for something that isn't mine and they can't even find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of 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 2023-10-12
Company: ALLY FINANCIAL INC.
State: MI
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:
ALLY FINANCIAL Opened in XX/XX/2016 fraudulently balance of {$23000.00}

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 2023-09-08
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXXXXXX  I leased a car with an option to buy from XXXX XXXX XXXX XXXX . With bank statements and contract paperwork to back up my claim, I made every single payment on time. XX/XX/XXXXXXXX   I called and spoke with a lawyer for XXXX XXXX, paid the lease balance and started the purchase agreement on the car. 
In XXXX of XXXX  I was notified to finish my payments at Westlake portfolio management and I have. My last payment is due tomorrow XX/XX/XXXX XXXX.i called today ( XX/XX/XXXXXXXX  ) and asked about my title and where I can get it, I was told by the representative that I would have to pay XXXX to get my title and they have no record of my original contact. 
I have paid XXXX dollars for a XXXX XXXX XXXX, I have worked hard and went without just to pay my car off. I don't want a free car I want the car I have paid off. 
If they take my car I will not have anything. I will be at rock bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 out of the blue, I received letters ( attached ) from Bank of America ( BOA ) stating they were closing my accounts due to " my risk profile no longer aligns with the ban 's risk tolerance ''. 
No prior contact with the bank was received by us to alert me of this or why, even though we have been a BOA customer for XXXX and never had any issues. 
After receiving the letters we went to our local BOA branch to find out why this was occurring. 
They stated they could not tell us why and to call the main BOA number. 
We called as instructed and spoke to a representative who also told us they could not tell us why and to call XXXX XXXX a credit reporting company they had listed with the BOA letters. 
We then called them and spoke with a representative who said we would have to request a report which should tell us why. 
We received the report, but it still gave no reasons why the action was taken other than a cryptic key factors note stating : " The status of the relationship with the inquiring bank '' and " The consumer 's transaction activity over the last 30 days is out of pattern when compared to the prior 180 days '' Obviously this does not answer the question specifically as what triggered this cancellation. To my knowledge we had no out of pattern transaction activity. 
So I am looking for your bureau to help me in finding all the background as to why BOA made the decision to cancel all my accounts. I feel I certainly that I am entitled to know the background facts as to why they did this to our accounts. 
Hope you can help.

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 2023-09-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10
Company: EQUIFAX, INC.
State: IL
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'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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting two different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting a debt collection account on my report from XXXX XXXX XXXX. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

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 2022-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Initiated XXXX XXXX transfer payment on XX/XX/XXXX, XXXX for the XXXX and the next on XX/XX/XXXX. Chase Bank, back office cancelled the transactions without calling me to clarify the reason for the cancellation. They also froze my online access to my account. They were closed for Sunday, XX/XX/XXXX and left me without recourse till XX/XX/XXXX. 
They did not have the courtesy to call me back on XX/XX/XXXX, Monday. I had to call them on XX/XX/XXXX. 
What if it was a timely imminent life or death situation where I needed access to those funds? The situation would have passed and a death would have resulted!!! 
What if it was a timely investment opportunity? By cancelling those transactions, without calling me, Chase Bank would have caused me to suffer a loss of revenue due to their actions.

Company response to consumer: Closed with explanation