BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX and XXXX I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX 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 XXXX XXXX XXXX. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX XXXX  account # xxxx # # XXXX XXXX XXXX account # XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX2 XXXX XXXX XXXX XXXX XXXX Are all unauthorized an have no Permissible use. 
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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

.

I can go on and on please validate an delete at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: Data and Contact Management Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had XXXX XXXX close their credit card and send it to XXXX   Services, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX   Services agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
Again, It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XXXX XXXX XXXX Reference # : 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 2023-10-03
Company: EQUIFAX, INC.
State: MO
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX  XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX XXXXXXXX can't continue doing what they are doing. 

Thanks

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 2020-07-05
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: Account information incorrect

Complaint:
See attatched XXXX Credit Reports Equifax & XXXX  Account NOTE XXXX  XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX 1099-C CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched EQUIFAX XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both XXXX  & Equifax " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? XXXX  & Equifax & XXXX are in violation of FCRA Federal Laws.  SECTION 611 & SECTION 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Have received calls from credit card companies offering to transfer any of my existing CC accounts from the current fee ( 14.9 % for example ) to a 0 % CC for life. 
XXXX XXXX XXXX- R'cvd such a call and transferred to consultant ( allegedly from XXXX XXXX XXXX ) who had lots of my CC and banking info. He told me the exact payment amount I recently made on a Visa card, plus the current balance, the rate and the last 4 of my SSAN. He then told me he could lower the rate to 0 % for the rest of the time I held the card. He charged no fees. I was next transferred to his supervisor ( XXXX XXXX ) who asked for other CC balances, rate, and credit limit. Like a fool, I provided that info for 5 CCs believing that they would soon be at a 0 % rate. He then asked for the remainder of my SSAN ( first 5 digits ) and my Mother ; s maiden name. On two of the cards, he could not offer 0 % and suggested I reapply later. He even gave me his personal phone number ( XXXX ) XXXX XX/XX/2019 : I had a false charge for {$960.00} on my XXXX XXXX XXXX CC for two {$500.00} XXXX eGift Cards placed on XXXX XX/XX/2019. 
XXXX : My B of A CC included a Balance Transfer to XXXX for {$110000.00} plus a {$35.00} transaction fee, I did not make such a transfer, but the amount exactly matched my existing CC balance for that XXXX XXXX. 
There was a PENDING second false CC charge for XXXX XXXX for {$2800.00} which I have no idea or involvement with and certainly did not make the transaction. 
XXXX XX/XX/2019 : Lastly, I noticed a Balance Transfer of ( XXXX ) to my XXXX XXXX card, but no explanation of where the money came from. Also, the CC was not scheduled for a payment until XXXX XX/XX/XXXX. 
I have canx each CC and applied for a Fraud Alert to all 3 Credit Report companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made XXXX payments related to XXXX purchase order - {$290.00} and {$360.00}. product was never delivered, and vendor stopped communicating. I opened a dispute with the credit card company, and they behaved in an arbitrary and predatory manner where they " randomly '' and illogically reveresed the EARLIER, and LOWER, of the payments ( {$290.00} ) and did not refund the other payment ( {$360.00} ) I made a purchase of a XXXX device - a customized digital storage device - from a company in XXXX XXXX The reservation order was made on XX/XX/2023 for {$290.00}. The estimated delivery date was stated as " End of XX/XX/2023 '' A couple of weeks later I made payments on the customizations option of the device with a {$360.00} payment on XX/XX/2023. 

After the delivery date lapsed, I reached out to vendor who said it would be delayed and later totally vanished and stopped responding. At that point I submitted a dispute with the credit card company and was shocked to see how they are acting in a predatory, abusive, and arbitrary manner. 
If the payments are related to the same purchase, how can you logically reach a different outcome? 

I have made multiple calls to the credit card company trying to resolve this. The service reps acknowledge how ludicrous this situation is but kept claiming that they " follow policy '' and this is " out of their control ''. This is especially worrisome, because it highlights that they maintain this predatory and abusive behavior as part of a corporate policy.

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 2021-06-14
Company: Experian Information Solutions Inc.
State: MA
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 have 2 XXXX  accounts, one was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines on my XXXX  account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines with XXXX  XXXX  ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX  representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.

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 2019-07-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband had his 3rd XXXX  XXXX on XX/XX/2019. He was on XXXX XXXX. with reduced income till XX/XX/2019. When he returned to work he was Fired! We were already behind on the mortgage before his XXXX. My husband is working full time again & I work part-time. My mortgage company is Bayview. I have applied 3 times for a modification. Bayview responds back with higher monthly payments to get us caught up. My current payment is {$1300.00} with 5 % interest. We cant afford this much less a higher payment. If Bayview would put my late payments @ the end of my loan & lower my interest rate we could afford it! We owe about {$130000.00}. We have lived in our house for 14years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our ZELLE payment feature has disappeared without notice or reason and we do not know who is to blame, as both XXXX XXXX, Zelle and XXXX blame each other. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is reporting a collection that is over 7 years from the date of last payment. I am not disputing the validity of this item and I plan to pay this back, but I will not make a payment until it is removed from my credit report because I do not want the clock reset on the date of last payment. ( Please see page 11 of the attached credit report. ) This is in reference to the XXXX XXXX  partial account number XXXX in the amount of {$11000.00}. This incorrect reporting is harming my credit score and this item needs to be removed from my credit 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 2023-11-10
Company: Westlake Services, LLC
State: GA
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 paid this account in full XX/XX/2023. The creditor sent over a payment history with proof of payment but refuse to remove the account from my credit. I had a balance of XXXX, and I paid XXXX XX/XX/2023. They also sent over a credit report page that shows a {$0.00} balance but yet will not remove from my credit. It appears on my credit as if i still owe this company and I do not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2021-03-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying back a student debt since XX/XX/XXXX and only recently learned that I was being charged fees for every payment I made after the fact. I did not sign a loan agreement and I am not legally allowed to be charged interest. I was previously charged {$2.00} for a convenience fee which was reflected on the invoice when making payments. Subsequently, the payments I made are now reflecting new charges being taken out of old payments. The fees range from 12-24 % of the total payment. The fees do not appear on my statement mailed to me monthly nor on the payment invoice when I submit the payment. In total, since XX/XX/XXXX, ECSI has collected over {$500.00} in fees without my knowledge or without notifying me through the mailed statement or before making the payment of any fees that will be deducted from my payments. In XX/XX/XXXX my first payment was not charged a fee but every monthly statement after that has a fee taken out that was not previously recorded on any statements sent to me directly from the company. The fees dating back to my initial payments after XX/XX/XXXX are now different then when I first looked at them in XX/XX/XXXX with a portion diverted from my debt repayment directly to ECSI. These charges were nonexistent and are only now being reflected in the online payment history with my physical statements differing from the ones online. I have tried to email the company to discuss the fees and have called them to speak to a representative and have yet to be contacted or responded to. This company works directly with the University of XXXX, which is holding my transcript until the loan is paid off directly to ECSI. My consolidated report was altered in XX/XX/XXXX to show fees charged in XX/XX/XXXX, that were not previously reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Change Health Care the original bill collector for this debt owed to city of XXXX I told them that at the time of this ambulance ride I had insurance and that this would need to be charged through to my insurance. They resubmitted the claim to my insurance and my insurance company paid it on the XXXX. This is not shown on my credit report as I still have a collection on my credit report from Penn Credit for the amount of {$510.00}. This needs to be removed as it is stopping me from being able to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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:
Nissan infinity Lt, I have 2 late payments that were not late and I was told it was theirs mistake they will be removed for the simple fact we had automatic payment setup then down the line as I spoke with different customer services reps every one had a different story all of a sudden they say we didnt set up automatic payments so I assumed they were automatically taking the payments XX/XX/2016 they gave me a late payment and XX/XX/2016 they also gave me a late payment for that month even tho I had setup automatic payments with them and on several different Occasions I was told they would be removed but they never removed the late payments.

Company response to consumer: Closed with explanation