BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2022-03-23
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-10-22
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is now under the name of XXXX. I spoke with a representative a few weeks ago and she was kind enough to help me with my account and extremely pleasant. Unfortunately I had to call the company again because my account number for payments to be withdrawn was not changed. I called and all of a sudden they are unable to transfer me to specific extensions and they are unable to move payments something that was JUST done for me. Mind you I spend an hour of my time going through this ridiculous customer service merry-go-round that go me nowhere. Every time I requested a manager, I was told that they don't have managers, they have supervisors ... same thing! And I haven't had my issue resolved, which is going to result in me defaulting on my payments and affect my credit when it was this company 's error that this happened in the first place! They have changed their customer service and are outsourcing and I am not protected as a consumer. I am being asked more personal information every time I call and I feel deceived and leery of every doing business with them again.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-11-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A direct deposit was supposed to hit my account on the XXXX and XXXX of every month. I still haven't been paid and my account is getting hit with multiple overdraft fees.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Central Portfolio Control Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, Central Portfolio Control, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by Central Portfolio Control does not meet these standards. 

The dispute process with XXXX confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Tennessee. When the 3 years was up I purchased the vehicle. I was told I had to purchase extra add on packages. I tried to cancel them. No one has ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
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 was an account holder during the years of XXXX to XXXX. I have not been included in the recent settlement reached regarding WF " breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} XXXX. '' What do I need to do to be included in this settlement? 
Thank you 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 2023-06-22
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-02
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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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

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 2022-03-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the last 2 years I was on automatic payments with carrington mortgage after I bought out of foreclosure. I took myself off in XXXX for XXXX payment. At the end of XXXX I made my XXXX and XXXX payment. I then went on in XXXX to restart my auto payment and saw that it said my XXXX payment was due. I checked my history and it said I had around {$2000.00} in fees that I knew nothing about. I called and asked what they were for and no one could tell me. They said they would waive the fees but it would be 10 days. As this would not cause me a late fee I had them do it. On XX/XX/XXXX after everything was updated I made a partial payment for XXXX. I then logged at the end of the month and made what there website was the remaining balance for the month. In the beginning of XXXX I logged in to setup my automatic payments again starting in XXXX and it said my XXXX payment was due. I called again and was the {$800.00} was used towards fees which still no one could identify. After 30 minutes of going back and forth they said it would be 10 days to fix again but then I would owe around {$200.00} for rest of the payment. I made the payment and started my auto payments again. It is now the end of XXXX and it says my full XXXX payment is due and I owe a late fee. When I look at my payment history it shows money going in suspense account and then being taken out but nothing going to my mortgage. I would like this issue resolved but I feel if I call again they will give me the same run around I will just end up in with same problem next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
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 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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau 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 2018-10-22
Company: Commonwealth Financial Systems, Inc.
State: LA
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:
CommonWealth has been reporting false information on my credit reports. XXXX  is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.

I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX  but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 there were two transactions done at a XXXX  in XXXX, CA. One for {$210.00}, and another for {$160.00}. I was home just getting back from work and I logged into my app, and saw the fraudulent transactions. I live in XXXX CA, which is nowhere near XXXX  in XXXX CA and I do not go around that area at all. I immediately froze my debit card through the Bank of America app and called right after. The associate told me that it appeared whoever took the money used a card without a chip. They issued a credit for the full amount of the transactions. 

My statement for XXXX shows the first charge at the XXXX, CA XXXX  of {$210.00}. Then after that a transaction for XXXX XXXX XXXX in XXXX, CA of {$55.00}. The next charge is of {$160.00} at the XXXX  once again. Transactions are in chronological order, correct? How can I be in XXXX and XXXX at the same time? I only have one debit card. 

On XX/XX/2021 I received a letter in the mail from Bank of America. It's stating that they are going to remove the credits on XX/XX/2021 because my claim wasn't approved. I called the bank to ask why. The associate told me they made that decision because the individual who used my information was able to successfully enter my PIN on the first attempt. In the letter it says that " The charge was authorized by you or by someone who has permission to use the card or account ''. That conclusion is very absurd and offensive, because at this point they are making it seem as if I'm trying to steal and lie.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
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 reviewed my consumer report and noticed there is inaccurate information reporting on my credit report. Account is reporting under someone else 's name. 

Account : XXXX I contacted Experian and requested investigation & removal of inaccurate account from my report. Such proof has not been provided.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2022-03-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call today saying that I needed to pay that debt, and I told the Agent I'd already paid it directly to XXXX, and because it was paid in full, they were going to take 10 % off. 
The Agent said : " You can't do that, '' I said : " I did do that, and the money had been taken out of my account already. '' I told her that I am a banker and that she needs to stop telling people that we can not settle whatever amount we owe directly with the lender. That is a scare tactic and shouldn't be used.

Company response to consumer: Closed with explanation