BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: IN
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis 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 explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from my 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 2023-03-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: TN
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:
With XXXX and Experian, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. XXXX has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( XXXX XXXX Experian XXXX XXXX for {$2300.00} - XXXX {$540.00} XXXX XXXX {$310.00} - XXXX XXXX  - {$640.00} Thank you!

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 2023-03-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraud charges made on my debit card linked to my checking account. I reported it right away to my bank. My bank stated there was insufficient evidence to prove the transactions were fraud. They were international transactions that I did not make. Charges were : XX/XX/23 {$1000.00} merchant : XXXX XX/XX/23 XXXX merchant : XXXX XX/XX/23 {$530.00} merhcant : XXXX I was unable to reach these merchant because the transaction statements had no number or website connected to them. 
I called my bank numerous times for the credit refunded. They stated to wait 10 days. Nothing happened. I called again and was told over the phone my dispute had insufficient evidence. I wrote an appeal letter and also emailed an appeal.

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 2023-03-19
Company: ONLINE Information Services, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I paid XXXX On XX/XX/XXXX I paid the remaining XXXX They spelled my first name incorrectly which may be the problem in part but it needs removed from XXXX. I have my reference number and documents to support my complaint.i have disputed it 6 times to no avail. 


Please help I'm n need of a car loan I was denied due to this infraction on my report. The collector is Online Information Services. 

Their reference # XXXX to find my account PIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid my can off but is still showing on my credit need it removed

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 2024-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XXXX I received a letter from SPS stating that my mortgage payment will be increased due to an escrow shortage due to property taxes and home insurance increase. Immediately, I contacted them and asked for help because in my acknowledgement the calculations were wrong. Unfortunately, I didn't receive any help, they told me that everything is clear, and I am wrong. 
After tried dealing with the matter over the phone, on XX/XX/23 I sent via mail a letter to Select Portfolio Servicing attaching the escrow letter, my homeowners insurance declaration page, my property tax bill. 
Until the present time, I did not receive any response about my letter. I called SPS today and they confirmed that {$4100.00} is my payment without any note or changes, they offered me mortgage assistance meaning loan modification, which I will never accept for something that they did wrongly. 
PLEASE help me to get this resolve, I can't afford the increase and not only that they are wrong in the calculations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Lincoln Educational Services Corporation
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was told at Lincoln XXXX XXXX technology in XXXX Colorado was one of the schools that was in a fraud case they need to expunge people students loan I dont know how true this is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX account was opened fraudulently in my name I sent a dispute letter, XXXX and police report and their own identity theft complaint I disputed the account on XX/XX/23 the dispute results came back XX/XX/23 more than 30 days later but the information was deleted. Now the company has be harassing me and decided to report the deleted information on my credit report again. On XX/XX/XXXX Experian reinserted a deleted account information back on my credit. 1 it has been over 30 days and 2 this information was deleted. I did not receive anything in writing 5. Days after as they suppose to notify me of such. both are violations of my consumer rights pursuant to 15 usc 1681i ( 5 ) ( i ) ( ii ) ( iii ) and 15 usc 1681i ( a ) ( 1 ) see attachments

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 2023-10-13
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Initiated a balance transfer from Discover to XXXX. 
The funds posted to my Discover account on XX/XX/XXXX. 
XXXX never received the funds. 
Discover confirmed that the account number provided was " off by XXXX '' which is ridiculous as that is easily verified using a checksum ( XXXX algorithm ). 
Can not start looking into the matter until 8 days have passed but the amount has conveniently been added to my Discover balance already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Thaxton Investment Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After a car accident due to the car hydroplaning in late XX/XX/2020. I spoke to XXXX and let her know i was coming to get my things out of the car. They were in such a rush to sell they got rid of the car before i could get my things when i areived they were remorseful and told me there is normally a cost of {$500.00} after a total loss but they would waive it because they got rid of the car with high value items inside. After complaining to them about my irreplaceable items they were upset and when i left they decided to put that charge as well as other chafges on my credit eventhough i do not owe a single dollar. I had gap insurance through that company who i bought the car through them. l can provide proof that this has affected my credit and my ability to get future loans and I have been dealing with homelessness due to this hardship. I reached out to this company and they werent empathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BankAmericard Platinum Plus Mastercard Ending in XXXX XXXX  I have reason to believe that Bank of America is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card.

15 U.S. Code 1666d states ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

The balance of {$490.00} on my account is evidence that Bank of America has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: NJ
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 received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX  plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information. 
2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-11-23
Company: Experian Information Solutions 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to XXXX, XXXX, nor Experian.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: AL
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, DEPT OF EDXXXX has violated my rights. 

11 Accounts with the same account number ; reporting inaccurately! 
XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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