BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
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 disputed this collection that have randomly appeared on my credit report from a compy called credit collection service. All XXXX  and Experian do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this credit collection service company nor did I give them permissible purpose to report this inaccurate account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, XXXX, and Experian has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TN
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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 some of the information was 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$3.00}, XXXX ; XXXX XXXX Balance : {$440.00}.

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 2023-04-18
Company: U.S. BANCORP
State: MN
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:
This is with U.S. Bank Branch and I have been disputing ID Thief and Fraud with U.S. Bank since I first became aware of it in XXXX 

Please see attachments and that will summarize everything. 

CFPB complaint word doc is the complaint and will explain the case and will reference Attachment A and Attachment B ( 3 Parts ) Please read carefully to understand my situation and frustration. 

A XXXX Is attachment A B Attachment are supporting files. It's in 3 parts b/c it was too big for 1 upload

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 2020-07-24
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: Investigation took more than 30 days

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from XXXX mortgage sending a negative report about this loan. ( # 8 Document ). 

I need XXXX to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
portfolio keeps telling me that i owe them a debt and i do not they say that it has been verified but it is unlawful and not legal just to tell me i do. I want a verified documentation that i am legally bound to this debt. You have 7 calendar days to respond or it will be assumed that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
My family member paid my car payment twice and the company keeps stealing the money every time the payment is made and harassing me after it gets paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: VA
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:
I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

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 2022-04-28
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I contacted Halsted Financial Services regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THEY BREACHED HIPPA. I received an account in collections through Finance systems of Toledo with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right to privacy through healthcare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on 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 2023-11-07
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I wrote to I.Q. Data International Inc. requesting an authenticated record of accounting. I specifically said I was not asking for a statement of account, rather an authorized record of all accounting and bookkeeping entries pertaining to the account. In this letter I requested to be provided with an agreement with their client that grants them the authority to collect on the alleged debt, an agreement that bears the signature of alleged debtor where in he/she agreed to pay the creditor, any insurance claims that have been made by any creditor regarding this account, and judgements obtained by the creditor in relation to the account, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to the collector, complete accounting of alleged debt and commission for debt collector if collection efforts are successful. I requested that they furnish this information within 15 days as it is readily available to them and they did not send any response. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt and this letter was delivered and signed for on XXXX XXXX XXXX 

Since I.Q. Data International Inc. did not respond in any way whatsoever, I sent a second letter on XX/XX/ via certified mail. In this letter I notified them that they did not get back to me and validate the debt and that according to the Fair Debt Collection Practices Act I have the right to claim a validation of the debt and they are obligated to provide me with the relevant documentation. They received my original letter on XX/XX/ and never responded yet the credit bureaus have responded back to me that the debt is " verified '' although they too never sent me any documentation whatsoever. 

I let them know that they are now in violation of the FDCPA and subject to a fine of {$1000.00}. And that I would continue with the suit if they did not respond within 15 days. I informed them that I would also be submitting a complaint with the FTC. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt requested. This letter was delivered and signed for by I.Q. Data International Inc. on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I never received a physical debit card from this company but I did have a virtual card. 
My phone was stolen then replaced. 

I noticed several fraudulent transactions. I have attached the claim forms for review. 

Im owed {$900.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: U.S. BANCORP
State: MT
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:
This is the THIRD hack on my credit card at this company since XXXX and each hack gets more aggressive. In this instance, I got an email informing me my username had been changed. My credit card was charged {$630.00} for an online purchase at XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX award points were used to purchase air travel ticket ( s ). 

Credit card company immediately resolved all issues.

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 2021-04-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Saturday XXXXXXXX XXXX XXXX  I attempted to pay my monthly load amount of {$570.00}. The loan number is XXXX. 
According to the software it accepted a payment from my account ending in XXXX with XXXX XXXX. 
On Monday I checked the account, and the software said the payment was not made. I waited, and I again attempted to make a payment ending with my account ending with XXXX at XXXXXXXX XXXX 
Today I checked at the locaXXXX XXXX XXXX XXXXXXXX to see if the payment had been made. They said the money was taken out of the account ending with XXXX on XX/XX/2022. 
I was charged {$35.00} because of course I had transferred money from the XXXX account to the XXXX whereby I attempted to make the payment from. 

I called Capital One Auto Loan 5 times this morning to straighten out this problem Each time I was sent to a different person or department. After calling them several times they said, their system was being worked on, and they hung up on me. 

The service operators at Capital one called themselves, XXXX, XXXX XXXX, XXXX, and XXXX I finally became fatigued from their inability to talk legibly to me about the constant confusing mess they were making at my payment bank. 

I told XXXX that Capital One Auto is a XXXX DOLLAR BUSINESS Banking system, and can afford to keep track of their software. It makes absolutely NO logic at all that Capital One Auto Loan doesnt have their systems completely up to date at all times of the day, and year. So, their excuses make no common logic at all. 

This situation is causing problems with my Credit Report, and adding extreme problems to my business banking accounts. I need reimbursement from this bank for the problems they are causing me. This is not the first time their company software has said they accepted my payment, and then when I checked again the software says my payment wasnt accepted. Their waiting periods between them accepting the payment, and the money coming out of my XXXX XXXX account varies greatly from month to month. Mostly as long as they werent charging extra fees I ignored it. But, I can no longer to that as it is so obviously that the Corporate Bank Offices are ignoring their own bad management practices.

Company response to consumer: Closed with explanation