BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
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 XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX 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 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 2023-03-21
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
in XX/XX/2022 my account was accesed by an unauthorized individual, funds were stolen from my account. us bank has not remedied this problem. i have filed disputes etc but they were declined.

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 2023-03-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account has just shown up on my XXXX credit report... AWA Collections not only is this account completely fraudulent and not mine, its also as of 3 months from now not even legally collectable here in the state of California. This is the first I have even heard of this supposed debt four years later!

That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 602 A ( 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 ) ( XXXX ) 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.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. XXXX was the first month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws are attached below.

I have mailed letters to comapny and disputed and they refuse to remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My issue is regarding Capital One I received a check for my taxes of XXXX dollars and XXXX cents and XXXX XXXX decided to close my account and put my check on hold for 10 days. This caused my Capital One payments to be returned and my account is now closed. I spoke to Capital One multiple times and they gave me the same explanation and I spoke to XXXX XXXX and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account opened. This was my first ever credit card account and its made me so upset that Ive been feeling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my mind. This has affected me deeply because i always payed on time and never had issues or gave Capital One issued. This has affected me deeply mentally and emotionally and specially financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I CONTACTED SUNRISE CREDIT SERVICES BY PHONE AT ( XXXX ) XXXX ON XX/XX/XXXX AND MADE A PAYMENT BY PHONE WITH A REPRESENTATIVE BUT BEFORE MAKING THE PAYMENT THE REPRESENTATIVE TOLD ME THAT THIS ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE I PAID THE ACCOUNT. SO I PAID THE ACCOUNT TO XXXX BALANCE AND REPRESENTATIVE PROVIDED ME THE CONFIRMATION # XXXX ITS BEEN 1 YEAR AND THE ACCOUNT IS STILL REFLECTING ON MY CREDIT REPORT. I DISPUTED THIS ACCOUNT WITH XXXX BY FAX ON XX/XX/XXXX EXPLANING THAT I PAID THE ACCOUNT AND SUNRISE CREDIT AGREED TO HAVE THE ACCOUNT DELETED OFF MY CREDIT REPORT AND THE RESULTS CAME BACK THAT SUNRISE CREDIT VERIFIED THE ACCOUNT AND SHOULD REMAIN ON MY CREDIT REPORT. I AM REQUESING FOR YOU TO HAVE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS I HAVE ALREADY PAID OFF THE ACCOUNT AND THE AGREEMENT WAS THE ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE PAID sunrise account # 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 2023-03-21
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received an email from Aidvantage on XX/XX/XXXX that I have a payment of {$1400.00} due on XX/XX/XXXX. When I logged into my Advanage account it said that my loan payment was past due. I did not even get an email before saying that my payment was due, so now I have late charges and have to pay the amount. I've never been late making payments on my student loan. Why would I only get an email after my balance is past due instead of before? I called in and talked to rep XXXX XXXX. I told her what was going on and she said since I requested a refund the system will start charging me my balance and said that if I want my balance put in the COVID forbearance I need to tell them. I said that it was illegal for them to charge me fees and payments because of the forbearance and that it was still in effect. She apologized and put in my request and said that it would take 24 to 48 hours to take effect. So, I had to make a payment of {$1600.00} on XX/XX/XXXX to keep my account in good standing. I don't know how this could happen considering the payment pause has been in effect since XXXX XXXX XXXX -- three years ago. I was in forbearance before I was transferred from XXXX and at no point have I ever requested that it be removed. It even states in a big bold banner on Aidvantage 's website that we are in a forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TN
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've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-05-07
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: Public record information inaccurate

Complaint:
I am writing to dispute the accuracy of a public record item on my credit report. The item in question is XXXX XXXXXXXX XXXX XXXX XXXX # XXXX which I previously disputed with you. In response to my dispute, you verified the item as accurate, stating that you had verified the information with the court. 

However, I have recently contacted the court and they have informed me that they do not report to you or any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: SD
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:
On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all Experian does is update it! I want it removed, it is not my account but Experian wont listen! It has financially disabled me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!

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 2023-03-21
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Initially when Midland Mortgage took over my account during Covid they attempted to add XXXX plus funds to what was owed. I wrote the company and stated they can not do this ; remove those funds as this is not accurate I then supplied my last statement from XXXX. They complied. A few months passed and Midland Mortgage again attempted to add the XXXX plus funds back to my account. I again emailed them and told them to remove this erroneous amount. They complied. 

Fast forward to when I received the funding from the Gov't for the Covid arrearages. The way Midland Mortgage applied the funding vs what they say I now owe does not seem correct. I am not completely convince this process was done accurately and within the Gov't guidelines on how to process the funding. I requested an audit. 

The beginning of 2023 I received a letter stating my Escrow was short {$240.00} plus change. The letter stated I could pay this amount before the end of XX/XX/2023 to reduce the now new payment amount effective XX/XX/2023. With my XX/XX/2023 statement I submitted {$50.00} towards XXXX in the area designated for XXXX. I was going to pay the remaining {$200.00} before the end of XXXX. When I logged on to do this I saw my {$240.00} amount did not change. I emailed Midland Mortgage and asked where the {$50.00} dollar payment is? They called me. I did not answer as I often request they answer me in writing yet they refuse to do this. Evidence who knows?! Nevertheless I again emailed Midland Mortgage and requested they NOT call me but provide and answer to me in writing as to where the {$50.00} dollars is and why it was not applied to the arrearages? Again a phone call. I do NOT want a phone call I want something in writing. This surely does not seem like an outrageous request. 
Last week I received a letter in the mail telling me they tried to call me. I am pretty sure it would have taken less time and money to simply respond to my email by answering the simple question. A question a five year old could understand. With this said I still want to know where the funding went. Additionally I would like a third part, not related to Midland Mortgage, to audit my account for accuracy.

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 2023-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CREDIT ACCEPTANCE CORP ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

w/Gratitude

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 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/, I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.

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 2023-04-13
Company: Self Financial Inc.
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:
I am replying back to your CFPB dispute response and am confused on how you state my account was reported 100 % accurate and true to all three credit bureaus where I have spotted multiple inaccuracies from my report multiple times even from the reports of the payments you sent me. I went to annual credit report as you advised and pulled my report which shows the date of last payment as being 100 % inaccurate. According to my original self account from the app, My last payment made on my credit card is XX/XX/XXXX. Yet from these XXXX XXXX statements i received from your company states two last payments on two separate reports and those dates are not even the same. For example on the XXXX report I received from you, my last two payments are listed as XX/XX/XXXX and XX/XX/XXXX. Which is impossible because my only payment made In XXXX of XXXX was the XXXX. Now on my XXXX report that I received from your company my last two payments are XX/XX/XXXX and THEN XX/XX/XXXX. Which is grossly inaccurate. Just off those two reports you sent to me I already pointed out two sets of inaccuracies. My one and only final payment was XX/XX/XXXX which is ONLY being reported correctly on XXXX  which has NO second last payment date because a last payment can only be made once. Your company replied to my disputes TWICE through the CFPB as being 100 % accurate and true which I have pointed out from your own documents that you sent that this is a gross defamation of my character by continuing to report these inaccurate accounts to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-03-21
Company: EQUIFAX, INC.
State: GA
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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: KY
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4000.00}

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