BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: GA
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 following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights.

1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

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 2023-09-26
Company: Benuck & Rainey, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They sent a letter charging the amount of {$300.00}, with the same information that if I didn't agree, I should pay it off by XX/XX/28, otherwise I would agree and assume the debt. However, it has already been paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
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:
My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: Chime Financial Inc
State: NE
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 saw a transaction on my account that I do not recognize at all. I called Chime to report this unauthorized transaction by filing a dispute. I was advised by the Chime rep that first I needed to try and resolve this directly with the merchant first. The Chime rep said if I couldn't reach a resolution with merchant after a couple weeks to call Chime back and at that time they would file the dispute. I explained I was somewhat hesitant to do this because I needed dispute resolved ASAP as I can't just be out {$890.00} for any extended amount of time. I'm a XXXX single mom of XXXX small children. {$890.00} is like {$8.00} million to me. Anyways the Chime rep said well Chime makes you wait 10 business days before they'll refund your account anyways so you might as well spend that time trying to first resolve with merchant. If you can't then call Chime back and file dispute and we will issue a provisional credit within 24 hours. The merchant in this case was XXXX. I did in fact try my hardest to get resolution directly from XXXX but unfortunately they were not responsive to me at all. So after a couple of weeks I did what Chime told me to do, I called them back to file the official dispute ; which they did on XX/XX/XXXX. However MY COMPLAINT IS THIS EXACTLY : I filed my dispute an entire week ago and still haven't received my provisional credit that I was told would be issued within 24 hours! When I contacted Chime again a few days ago the rep this time had a whole different story. She said credits aren't issued until 10 business days, could be sooner but not required by law. I said yes I know but first rep told me to work directly with XXXX for resolution and during such time it was counting towards that 10 day waiting period. Now this rep I most recently spoke to said I'm not getting the credit until XX/XX/XXXX!?!?!?!!!!!!!! I can not wait a while additional week. My kids and I are drowning over here. I literally don't have gas in my car to drive them to school or money in my account to buy groceries. I need this resolved ASAP!! I realize Chime didn't cause this problem initially, it was the thieves. But Chime isn't helping to resolve it quickly and fairly at all. I wish something could be done to stop all these thieves from hacking bank accounts online, stealing directly out of our mailboxes in person, attaching skimmers to duplicate our debit cards, etc. But until the thieves can be stopped, the banks need to step up for their customers NOT CONFUSE THE ALREADY DESPERATE CUSTOMER SOME MORE by giving out false information which delayed my refund another 2 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Collection Debt showed up on my credit report for unpaid {$810.00} XXXX account that was not mine. Originally reported by XXXX XXXX XXXX to Credit Bureau. Disputed XX/XX/XXXX and removed XX/XX/XXXX after XXXX XXXX XXXX discovered it was not my account. 
XX/XX/XXXX alerted via credit alert of score drop, the same Collection Account appeared from Franklin Collection SV. 
Disputed account through XXXX and called Franklin Collection SV XXXX XXXX XXXX XXXX, XXXX, MS XXXX Phone : ( XXXX ) XXXX Balance Date : XX/XX/XXXX Balance : {$810.00} Operator said debt did not appear to be mine and gave me email address for formal dispute letter which I e mailed XXXX XXXX XXXX I emailed another letter after they replied to XXXX that under investigation this account was mine in which I have been requesting documents supporting their claim that this is my account. 
Franklin Credit SV has not provided any documents of supporting evidence but each time I contact them, they report to FICO Credit Agencies FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX.

FRANKLIN COLLECTION SVCS INC has flagged your account as UNPAID ( D ). 
XX/XX/XXXX with XXXX FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
Franklin Credit has not responded with any supporting documents for collection, communication response of any type regarding this collection and I do not have any information which would even allow me to try and remedy with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

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 2021-10-23
Company: U.S. Auto Sales 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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My credit report is showing late payments to BANK OF AMERICA NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.

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 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
To whom it XXXX concern. 

I tendered payment to CapitalOne before the original due date of XX/XX/2022, I had sent via registered mail a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$230.00} and {$800.00}. which estimated delivery was XX/XX/2022, with both coupons totaling {$1000.00}. I sent these coupon vouchers to the XXXX of CapitalOne, XXXX XXXX XXXX who XXXX the Vouchers and a Cover letter, Hold Harmless and XXXX XXXX, Legal Notice and Demand, and form XXXX. I have received thXXXX XXXX XXXX XXXX in the mail to confirm they have received my voucher coupons. I called into CapitalOne to check if my coupons were applied on XX/XX/2022, XXXX the Supervisor I spoke with stated it might have been rerouted to the proper department and stated I check back on XX/XX/2022. I called again on XX/XX/2022 and spoke with a Representative who could not assist me because he could not find where the coupon vouchers were or if there were any notes on what was sent. Finally, I was transferred to a XXXX Account XXXX XXXX to check if my payment vouchers were applied. She debated with me about what I had sent, and stated that it wasn't payment, I explained that I knew the law regarding making a proper settlement or setoff to the account, and explained the UCC codes, 18 U.S. Code 8, UCC 3-603 ( a ) & ( b ) & ( c ) TENDER OF PAYMENT, UCC 3-601 ( a ). She continued to debate with me and stated on a recorded line that " SHE DID NOT KNOW THE LAW '' and could not assist me in this issue. I was left damaged with now having to find another means of tender, even though I had sent in my XXXX Coupons to settle the account. Then on XX/XX/2022, I was sent a letter from CapitalOne stating that they have closed my account because my activity was not consistent with their expectations for account usage and violates the CapitalOne customer agreement. I strongly believe per XXXX XXXX Interference with commerce, theXXXX XXXXXXXX XXXX XXXX XXXX  me the consumer, and I seek full credit to the CapitalOne account as well as for damages & Punitive damages. My account was closed, and their representatives do not know the law regarding Legal Tender, and I overpaid because if I did not do this, they will go and damage my Consumer Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
i have tried for months to get a payment history from the mortgage company to find out why they state that i am 4-5 months behind, when i call them on the phone i get different responses on the amount of months I asked several times for them to send me my payment history, but they refuse to when i do make payment arrangements to catch up i get another notice that i am still behind several months i make my payments on a monthly basis. and yet i am still behind. i also wonder why they will not remove all the late payments from my loan the negativity goes back multiple years, and they refuse to remove the late payments it is affecting my credit score to the point where i can't get any good rates on a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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: EQUIFAX, INC.
State: GA
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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in student housing with everything included. Once I moved I received a bill for XXXX XXXX. I called advised that everything was included in my lease and monthly payment. They advised me to rewatch out to the apartment complex and when I did they referred me back to XXXX XXXX. After speaking with debt collector again agent advised she would submit dispute and follow up. And its still reporting on my credit and Im still getting harassing calls regarding it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 response to consumer: Closed with non-monetary relief