BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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  Original creditor : XXXX XXXX Account # XXXX Balance {$660.00} XX/XX/2022 XXXX. XXXX, XXXX Original creditor : XXXX Account # XXXX Balance {$1300.00} XX/XX/2022 XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX Account # XXXX Balance {$740.00} XX/XX/2022 XXXX, XXXX & XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX Account # XXXX Balance {$1200.00} XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account # XXXX Balance {$690.00} XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, personally filing this complaint without any involvement from a third party. I have attached letters to provide detailed information about the inaccurate items being reported in my credit report. The dates reported by Transunion, XXXX, and XXXX are inconsistent and untimely.

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 2023-05-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is XXXX Bank XXXX XXXX. I have not done business with XXXX XXXX for over 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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. All of accounts reported by credit reporting company have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX. 

My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX  XXXX  XXXX  I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go. 

Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested my mortgage statements that have Ocwen and Homeq were hiding from us. Phh mortgage now owns them and has to be accountable for all of their theft. When I received the statements via certified mail I almost passed out. So much money has been stolen from us that it is beyond unreal. There are fake insurance companies, fake account numbers on our credit report, fake nsf charges for returned checks ( i do not even have a check book ), fake late payments, fake escrow charges and etc. You can see where they copy and pasted payments and then deleted them. They made a HUGE mistake when XXXX payments show in XXXX. 65 percent of the statements have been altered or forged. My XXXX XXXX payments are missing and none of the escrow accounts are correct. Then they were illegally charging me XXXX dollars from our account to pay them. Its illegal. I have asked for a payoff STATEMENT 6 times and they keep sending payoff quote. I want the statement not the quote. They refuse to give it to me because of the theft. Then they went under the website and put in parentheses not actual payoff under all my statements. They just did this on Friday of last week. They know XXXX XXXX is about to hit the fan. It is unbelievable. They whited out so many numbers and then replaced them with numbers to cover the stealing. There are so many people they have defrauded but none of them is XXXX as me. 

They took almost XXXX out of our account several times and have it under long-form as an explanation. There are nsf charges for XXXX and late fees when we paid on the first through bill pay. 

We are devastated and so upset they did this. I want them prosecuted and I want to sue them. I want the deed to the home asap and I am XXXX off. They refuse to respond and I am sick of it. I meet with an attorney Friday to start the lawsuit. I have all the proof you need!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.

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 2021-06-17
Company: Navient Solutions, LLC.
State: NY
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:
NAVIENT Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

NAVIENT - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Charged " Unpaid Fee '' of XXXX for 4 plus years. From XXXX to XXXX. Navient never told me that the fees were only going to need to be paid once, and at the end of my loan payments. I paid this fee for years and it never went toward any unpaid fee. It was being allocated to pay down interest. It did not even go towards the principal amount owed. I decided to ask about the fee after years of paying it, because I wanted to know how much more I owed in unpaid fees. I believed because I was being charged the fee every month, I must owe for making late payments in the past. Customer service informed that I did not owe any more in unpaid fees and that I did not have to pay it every month, yet I was never informed of this or told that it was meant to be a one time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to fix an error on my credit report, and Transunion has done nothing but make it worse. Upon their " investigation '' they not only claim everything is " right '' while at the same time adding new incorrect addresses to my Credit profile. They're addressing the wrong name and now I'm concerned they are going to start mailing non-public information to some of these new addresses. After 5 phone calls, faxing information, and mailing information, they still are not grasping their error. The error is completely on the Transunion side as no other credit furnishers are reporting this information. They have combined my social with someone else 's name and credit 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 2023-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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 2023-07-19
Company: EQUIFAX, 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: OH
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 Original creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably 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 2022-11-16
Company: EQUIFAX, INC.
State: LA
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.

Company response to consumer: Closed with explanation