BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
Company: Experian Information Solutions Inc.
State: HI
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These people are STILL lying. They lied in their response to the CFPB. I do not owe this debt and I am now filing a law suit against these XXXX  and the original debt collector. This company refuses to provide any proof or documentation that I owe this debt because they can not do so. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX  written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - TRANSUNION XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 TRANSUNIONXXXX  XX/XX/2021 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 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Accounts wrongdully closed with money in them and money never returned

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 2023-12-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My business and personal account was close for no reason.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
I sent letters to the credit bureaus on XX/XX/XXXX via certified mailed and they responded back on XX/XX/XXXX stating that all accounts are verified.my credit report is still showing inaccuracy. I sent the bureaus letters again on XX/XX/XXXX and sill nothing has change.15.U.S.C 1681S ( 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 2022-02-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-17
Company: EQUIFAX, 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:
I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX at around XXXX or XXXX ( idk how my phone lists calls -- the time may show the beginning or end of the call ) I called & tried to pay my XXXX payment with XXXX different checking accounts to total my usual {$1300.00}. I spoke with a XXXX XXXXXXXX XXXX female who processed a {$1300.00} payment from XXXX of my accounts but then told me her system was glitching and showing the XXXX payment would come from the same account as the XXXX payment if she continued the transaction. The rep recommended I try to pay the next day via the website. I tried paying the next day but the website would only allow me to pay the full {$1300.00} mortgage payment. I called Flagstar as soon as I got the chance & asked for a supervisor/ someone in charge of adjusting payments after having been told by the rep that the whole {$1300.00} payment would only be applied as of the next day from that day ( the XXXX ) -- after the XXXX {$1300.00} was reversed. The supervisor ( XXXX XXXX ) XXXX at 1st repeated what the rep had said ; I advised XXXX that I would be contacting the FTC because it was not my fault her 1st agent could not process XXXX payments XX/XX/XXXX ; nor was it my fault their website would not allow me to. XXXX ended up saying she would make sure the whole {$1300.00} payment was applied as of XX/XX/XXXX rather than XXXX. Flagstar never adjusted my payment to reflect having been paid on XXXX. This transaction ended up costing me not only the XXXX days of interest more than what I would have paid ( & over XXXX hours of my time so far ), but increases the interest I pay going forward ( based off per diem & increased principal ). This is an unfair business practice that needs remedied. 
Thank you.

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 2022-11-05
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Name of account and address reporting to credit bureaus : AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( This address is incorrect and all USPS mail is returned ) AXCSSFN/CNGO is comprised of 2 ( two ) names not accredited via the XXXX  and XXXX no results via the Ohio XXXX. 

1. AXCSSFN Abbreviation for Axcess Financial Services address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX prior business name the XXXX XXXX XXXX XXXX 
2. XXXX Abbreviation for Check N Go address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this business uses several names carefully listed below. 

RELATED BUSINESSES : CNG XXXX XXXX XXXX. 
Allied Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Check N Go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Axcess Financial / Axcess Financial Services Inc. 
XXXX XXXX XXXX name not registered with the Secretary of State CNG XXXX XXXX Business name not registered with the Secretary of State XXXX XXXX XXXX XXXX Business name not registered with the Secretary of State I have contacted the 3 major credit bureaus in reference to AXCSSFN/CNGO dating back to XX/XX/XXXX and I have not received any useful replies to validate that AXCSSFN/CNGO are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. As carefully listed above. Their accounts were updated on XX/XX/XXXX AXCSSFN/CNGO flagged my credit files with inaccurate/unverified information ; the open date changed. ( See attachments ) Please be advised that AXCSSFN/CNGO are not Holders in Due Course ; no services or goods were received from AXCSSFN/CNGO XXXX and I have not agreed to pay/tender anything to AXCSSFN/CNGO. AXCSSFN/CNGO have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 

Proper documentation from AXCSSFN/CNGO was not provided to me to allow AXCSSFN/CNGO to verify the accuracy of the data placed with the credit bureaus as charge-off. ( See attachments ) AXCSSFN/CNGO is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I have not provided signed wet-ink releases of my private information to AXCSSFN/CNGO. 
AXCSSFN/CNGO does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. I will reply VIA MAIL and only via mail. AXCSSFN/CNGO reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our loan sold from XXXX XXXX XXXX  to XXXX XXXX XXXX. XXXX XXXX XXXX mailed us a statement with a customer service number as well as website. Their website XXXX has been down for a number of days and when calling their XXXX number you get the message that it's down due to technical difficulties. They are in a sense trying to force you into a late payment which I have never been late on. How are you supposed to ensure payment to a company that seems to not exist?

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 2023-12-12
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a full payment of all of my loans on XX/XX/2023. I believed at this time it meant that all my loans were paid off, and I checked the website repeatedly over many weeks and the website informed me that the remaining amount due was {$0.00}. Today, on XX/XX/2023 I was sent an email saying I was charged interest on my loans, and when I checked the website, it informed me that I had a " payment reversal '' and that none of my loans had actually been paid off. For me to be informed of this months after believing my payment to be completed, and for me to be charged interest during that time is unacceptable and predatory. If my payment was reversed, I should have been notified of that immediately instead of after EdFinancial could charge me interest.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: MN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the account with XXXX numerous times and it keeps coming back as verified but nothing is being sent to me to validate the actual debt is mines. They keep updating my report but not showing the correct proof to prove why they are updating it state as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Submitted an online dispute with Equifax on XX/XX/2017 because of inaccuracies I discovered on my credit report ( Report # XXXX ). Following submitting the online dispute I received the confirmation number : XXXX and an estimated completion date of XX/XX/2017 ... ..It is now XX/XX/2017 and the investigation status still says " Pending '' and is well beyond the XXXX day time frame the FCRA allows them to complete their investigation. By continuing to report unverifiable information, Equifax is blatantly violating the FCRA.

Company response to consumer: Closed with explanation