BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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 XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXXXXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Bank Of American has an account opened with my name, SSN & other Personal Documentation provided to them Fraudulently I have never opened an account with them

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MS
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 submitted a dispute on XX/XX/2023, after several previous disputes, for XXXX collection accounts. 

The first dispute was with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On my complaint, it had where I could input the correct $ amount, per month, however, I did not do all of them. The credit reporting agency ONLY MODIFIED the account with the information that I, myself, input, The dispute results were readily available the VERY NEXT day, only showing the changes, I, myself, had input the day before. The dispute results were VERIFIED as ACCURATE, however, information not related to the dispute were UPDATED. Please tell me how that is ACCURATE? When the only changes were the dollar amounts that I PUT IN!? How is that an ACCURATE account? I am so fed up with this mess. 

The XXXX account I disputed was with XXXX XXXX  and again, it was VERIFIED as accurate, with some information being MODIFIED. 

If something is MODIFIED, it is CHANGED, which indicates INACCURATE INFORMATION. Just like if you MODIFIY your diet .... YOU ARE MAKING CHANGES! That is ALL the proof anyone needs ..... 

mod~i~fy ( per XXXX XXXX ) make partial or minor changes to ( something ), typically so as to improve it or to make less extreme ( per XXXX  ) - change, alter, vary, to make or become different. 

For them to MODIFY, the information had to have been WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company by the name of XXXX XXXX XXXX XXXX XXXX keeps inaccurately reporting information to the credit bureaus. I have made a FTC report about this before this company has the wrong address and social and they keep selling my information to different companies and posting it on my credit. They have now sold it to Paramount Recovery System. I contacted them they said this account is from XXXX and they have the wrong information I have been a victim of identity theft and been proved that this wasnt me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: IL
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 Reporting act XXXX XXXX FIaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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 spoke with Credit Acceptance after remaining balance was due after total vehicle loss. They worked out a monthly payment plan to be paid until paid in full. Payments of {$250.00} have been made each month since the agreement and the company still reported my account as delinquent. They informed me it didnt matter that I had an agreement to pay monthly and have been making my payments on time every month, that its still considered delinquent and Im in default. I have made four payments of {$250.00} since XXXX of this year ( 2018 ) with no issues or reporting to the credit agency. I did call to discuss this matter as to why they reported me and they told me they have the right to report me even though we agreed on a payment arrangement because I have not paid them in full and I am not paying them interest no longer.

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 2018-06-05
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls me at least 10 times a day sometimes in repeated succession back to back. I have advised through representatives to stop calling at this point due to method of harassment and that I would handle the debt through paper correspondence or legal method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to work with XXXX. XXXX since XX/XX/2018 to get the MI off my house. They have passed me around several times and nothing has happened ; no help, no responses and no action. I was originally told by a manager that a 3rd party would call me for new appraisal and nothing, the number I was calling no longer worked for that manager. I then requested for my MI to be removed through their email process months ago as well. Generic response with no help, I emailed them back with more information and no response. For the last 6 weeks I have been trying to work with Al XXXX XXXX. for home lending and nothing has happened. I have received 1 email saying he is working on it at week 2. I have called,  left messages and emailed with again no responses. My loan has no waiting period and the MI can be removed. This has now cost me more than the cost of a new appraisal which I was told at first my upgrades would prove enough and wouldn't need, then later was told I would need. I agreed and nothing has happened still. This company in my experience is a joke and has done nothing to service my loan. 
I have phone records and emails to show my interest in the MI being removed and almost nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This has been a surprising trend I've now experienced with different credit providers. They place a hold on my payment after it has been received posted and cleared my bank account. I will get a generic response explaining why they can hold it. 

My problem is that it incorrectly reflects on my credit when it comes to credit percentage utility and and available credit. It artificially looks like im using the credit and leaves me unable to use credit or take advantage of current promotions like 4 % back on groceries.

I've not had a payment returned and I simply asked Barclay to remove hold and what i can do to prevent this. They sent generic response and after stating I will contact CFBP to ensure my rights they want to schedule a call. I just want t be able to plan accordingly plan using my credit. I've become educated on reporting and how this causes negative points, and I'm exhausted of having to resort to CFBP to get assistance they should be offering.

I would like these artificial holds to cease, specifically when money has cleared my bank.

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 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please delete the following inquiries. I have no knowledge or aware of these inquiries : 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 2023-04-24
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  locked me out of my account online. For about six months I called them continuously about it and the issue was never resolved. I received paperless billing so I could never see my bill, interest fees or credit card statement. They charged me {$5.00} every time that I would call and inquire about any problems that I was having or to pay my bill. I closed my account and asked for my previous statements that would show all my fees that I have not seen in six months. They were unable to verify any of my debt. Since than my card has been charged off and sold to another company LVNV Funding LLC C/O resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX XXXX. I am requesting that credit one and LVNV be deleted from all three credit bureaus due to inaccurate, incomplete and unverifiable information. My rights have been violated under the FCRA. 
I have contacted them and sent a letter, they sent me my last bill statement but I need to see my history of my account for the last year due to fraudulent charges. They were unable to provide me with this information. 
XXXX XXXX has been deleted from my XXXX  account but not all three credit bureaus. 
Since it was deleted from one, they should be deleted from all three. Please see the attachment. I have also filed a complaint with the Better Business Bureau for fraud. 
XXXX  complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX dollars were taken out by us bank with no authorization for the funds to be transferred into another account. 
Us bank is now telling me that it will take 10 business days for them to review my dispute and determine whether or not I will get my funds back.

This is totally unacceptable, they pulled the funds without authorization and now I have to wait to get my funds back. Where I come from that is theft...

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 to the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 instruction.

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 2018-02-05
Company: MOHELA
State: CA
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'm currently in my second semester of grad school ( full-time ). My Federal Unsubsidized and XXXX PLUS loans are being serviced by Mohela. My husband and I have been making payments toward my student loans ( at this point, roughly $ 2k, which has been enough to pay off my Student Plus loan from my first semester ). Despite explicit instruction on the Mohela website that any payments made within 120 days of loan disbursement would be applied to the principal, we noticed that Mohela began applying payments well in advance of end of the 120 day window to the interest. When we called Mohela to speak to a service representative today ( XX/XX/XXXX ), he first tried to confound us with the use of confusing and nonsensical jargon in an attempt to justify the application of payments to my interest. When that didn't work, he told us that in order for Mohela to honor the 120 day window, I would need to write and fax a letter making that request, even though no such instruction is listed anywhere on their site or in the loan agreement. Our suspicions that the company was hoping that we wouldn't notice the early application of payments to my interest with the sole objective of making additional profits were confirmed. In my case, this was around {$7.00} extra dollars, but I can't imagine how many others taking out even larger sums of money might be impacted by this unethical and misleading practice. Unethical behavior such as this has far-reaching consequences - not only for students, but for the US and world economy. It baffles me that the US Department of Education and US government would leave students in the hands of companies like Mohela, which brazenly mislead and confuse students into paying more money than they need to, which contributes to mounting student loan debt which contributes to students ' inability to participate in the economy as consumers, and ultimately leads to major economic crisis like the one that we just saw in XX/XX/XXXX. Not only do I view this as the height of idiocy on the part of the US Government, but I'm truly disgusted by the value system of flagrant greed that we continue to espouse and perpetuate in this country. And I want Mohela to know that financial power is not the only kind of power that an individual can wield, and I will be calling upon the power of information to fight this corruption. I will be sending a campus-wide email to my fellow students at XXXX in order to warn them of Mohela 's practices, and I will share that letter with other institutions. I will also be sharing my experience along with screenshots from the Mohela website with journalist friends at XXXX, the XXXX XXXX XXXX and others, as well as forwarding this information to my elected representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: LendingPoint Holdings LLC
State: NJ
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:
never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: IN
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:
My identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX   6. XXXX XXXX / XXXX XXXX 7. XXXX XXXX 8. 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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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