BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: U.S. BANCORP
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:
XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 Elan Financial report to the bureaus that I had late payments these months. On XX/XX/XXXX I disputed these derogatory items with Elan Financial and all of the late payments were removed. On XX/XX/XXXX the derogatory items were replaced on my credit reports. According to FCRA 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. FCRA 15 U.S.C 1681 b, subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And according to FCRA 15 U.S.C 1681 ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681 XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-07-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-23
Company: EQUIFAX, 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:
I have a loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXXXXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for XXXX XXXX accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.

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 2023-06-06
Company: M1 Holdings Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Thu, XX/XX/XXXX, XXXX i wrote them : i would like to close my account and cancel my membership they responded : Thu, XX/XX/XXXX, XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Hi XXXX, Your M1 account ( s ) has been closed. 


but later in XXXX they wrote to me : Thu, XX/XX/XXXX, XXXX ( 5 days ago ) Invest Negative Account Notice Hi XXXX XXXX We have identified your M1 Invest account, XXXX, currently containing a negative balance of XXXX XXXX 


Because they continued to charge me for the membership fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, the servicing of my loan was transferred from XXXX XXXX  XXXX to Bayview Loan Servicing. The loan was originated in XX/XX/2018 and an initial payment was made XX/XX/2018, as XXXX XXXX required the loan to be one payment ahead to set up biweekly payments. Biweekly payments were set up and shortly thereafter I was notified that the loan servicing was being transferred. When the servicing was transferred, the balance on Bayview Loan Servicing 's website did not reflect the payment I made in XX/XX/2018. Additionally, they told me I wasn't allowed to make biweekly payments on the loan, even though I had already set up biweekly payments with XXXX. I spent approximately 8 hours on the  phone with Bayview trying to resolve these issues and found them rude and very unhelpful. The last I heard they were reaching out to XXXX about the missed payment. When I called to follow up, they told me it would be at least 30 days. My experience with Bayview thus far has been horrible and I am almost ready to refinance the loan so that I don't have to continue dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect put a collection on my credit report that isn't mines... 

I send a debt validation letter and a cease and desist to the company 30 days via certified mail, the company still has the debt on all three credit report, and the company still continues to call me about the even after sending both letters... 

The company never responded to the debt validation letter and it's pass the time frame of 30 days to respond.

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 2019-01-02
Company: EQUIFAX, INC.
State: MI
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:
So I filed a dispute with Equifax, about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said they verified the information through the county where I live. I then responded to them and informed them that they cant possible verify information through the county of michigan, because the county does not  have that information and does not give that information to credit company 's and third parties. The verification would have to come from the federal bankruptcy court in which it was filed, and the clerk off will not also give that information to credit company 's and third parties. so this is proof that a fraudulent verification was conducted, or not done at all. and if they used XXXX I have a security freeze with this company., so since they are unable to verify this information please remove this incorrect form my credit profile IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Netspend Corporation
State: IA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is simple. I have had an account and direct deposit for years. on XX/XX/18, I spent close to {$1000.00} in one day, ( which I normally do not, but had been saving for some home items I wanted. During one of the transactions, my card was de-activated while trying trying to pay for my items and the transaction was declined. 
I left the store, went to the ATM and it said the card was de-activated. I called XXXX ... .and was told that they shut the card down thinking it was fraud. I explained that it was me - verified all their informtion and the card was re-activated. They told me I should have received a text message whent the deactivation happened, which I did not. BUT they have been sending me information from a cancelled card and not the active card for months. I only get my deposit information via text. When the card was re-activated, I did get a text stating that. 
The next day, I attempted to log online. And my account had been closed. I called them and they told me they closed that account and I did not qualify for an account anymore and they would send me a check for the funds in my account. This left me with no access to any money at all.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2022-03-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
we had XXXX cell service for over two years, in XX/XX/2021 we transfer our services to XXXX, the sprint were cancelled left zero balance, we returned all sprint devices in time and got receipt. 
After three months later we receive collection latter from I.C System Inc. that we owed XXXX 
we went several time to the XXXX store, they said only XXXX can resolve this issue, many times call XXXX  nothing is resolve yet. 
It is not are balance the just want to rip us off.

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 2018-01-25
Company: LEXISNEXIS
State: IL
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:
LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the 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 XXXX XXXX Balance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2022-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My aunt started a custodial account for my daughter. My aunt passed away in XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX, I spoke with the Branch Manager named XXXX, who said they will hold the account until my daughter is XXXX with no fees. Beginning this year, Bank of America began charging fees and will not reverse the fees or close the account. Every month, they deduct {$5.00} in fees and the account has depleted from {$170.00} to {$130.00}. I went to speak with another branch manager over a month ago, yet the account remains open with fees being deducted and the manager said there is nothing she can do about it.

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 2022-12-23
Company: EQUIFAX, INC.
State: NC
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:
Equifax has repeatedly allowed incorrect information to report to my credit profile, and not allowed accounts to report to my profile. 

XXXX XXXX XXXX is an installment loan with 1 year 7 months of history paid as agreed and Equifax has reported this as a revolving account.

Two credit cards have not been allowed to report to my profile. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
this credit card company closed one of my accounts because check bounced check bounced because thief got a hold of it I was working and they took money from bank now after so many years capital one thinks I would not pay seriously I'm being penalized for a thief action I demand my account reopen I always pay off account every month

Company response to consumer: Closed with non-monetary relief