BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a line of credit with Regions bank. I rarely accessed my checking, savings, credit card and line of credit. On or about XX/XX/XXXX I paid the full balance of {$4400.00} on the accounts and requested that the line of credit and credit card be closed. On XX/XX/XXXX Regions placed at {$47.00} maintenance fee on an account that was supposed to be closed. The fee then turned in {$190.00} because there were no notifications sent via email, mail or phone. I had this account for more than 5 years it shows that the fees were always taken from the checking account. During this period there was roughly {$24000.00} in the checking account. I was unaware that the line of credit was still open or there were fees being added and late payments being applied to the credit reports. When I purchased my house in XXXX I was notified of this on my report from XX/XX/XXXX then again on XXXX, XXXX and XXXX of XXXX. After contacting Regions 100s of times about this matter I finally got a rep named XXXX that said this was wrong and he would work to get the reports corrected. After about 60 days the reports updated and the negative lines were removed. There was a delay in my house closing which caused them the run my credit report again the day before closing and the negative lines were placed back on my report. This caused my interest rate to increase 1 point and I had to put down an addition {$25000.00}. My mortgage is now {$3700.00} instead of {$2900.00}. Now after all of this I still can not get the line of credit account closed. This makes no sense to me. The checking account and credit card is closed but the line of credit will not stay close. Regions will tell me its closed then 2 months later it will be open again. I've been into 2 different branches and requested it to be closed. They will say sure we are closing it now then it remains open. I can not keep loosing sleep in fear that a service fee is going to show up on my credit report. I do n ot do any business with them and should not have to keep monitoring a closed account. At this point I consider this fraud. They continue to charge fees on an account that I do not want open. I have disputed the credit report over and over in the last 2 years and they keep saying the chargers a valid and will not remove it. My current score is still XXXX but this is pulling it down from being XXXX and costs me additional points on my auto loans and other credit cards. I am requesting that the credit reports be corrected and the line of credit be permanently closed.

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 2019-11-20
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare has misapplied another principal reduction payment. They have done this several times in the last 6 months. They do not respond to inquiries through their website and the only department that can resolve is the cashiering department. The cashiering department does not take phone calls or communicate with customers. 

The date of the most current misapplication of the principal reduction payment is XXXX2019. The principal reduction amount is {$10000.00}. It is written on the cancelled check, there was a sticky note attached to the check as well as a letter stating the payment was to be applied to principal reduction. 

I have never been late with a payment and specified any payments sent that were principal reduction only.

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 2022-08-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have been a victim of identity theft. my information has been compromised due to multiple data breaches. I have inaccurate details and unauthorized accounts listed on my credit report. I have made several attempts to dispute inaccurate information. I have asked for a sworn testimony of method of verification and have not received that. I still have yet to receive remedy for these disputes. There has been multiple violations per the Fair Credit Reporting Act. Now I have no other choice but to take it to court.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX we spoke with cabelas capital one in regards to my husband recently being in an accident and unable to work. Capital one stated on the phone that we would have 3 months interest free and late payment fee free. They continued to charge over {$130.00} of interest each month. We finally paid the card off with our taxes because we couldnt afford the payment with one income. On XX/XX/XXXX we paid our capital one ( Cabelas ) credit card off. We checked our account to make sure it was completley paid off and XX/XX/XXXX they charged us with interest again even though the card was paid off. We spoke with capital one today and they stated that they understood our frustration but we were told we are still responsible with that interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Experian Team, I am XXXX XXXX. Upon my recent review of my credit report, I came across unauthorized inquiries that I have not initiated or approved. 

My due diligence with the respective creditors reveals that there is no documentation or evidence suggesting I authorized or initiated these specific inquiries. These entries have evidently been made without my explicit written or verbal consent. 

Given these discrepancies, and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681XXXX, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX Date : XX/XX/XXXX - XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX To facilitate a swift resolution, I have included proof of my identity and my current address with this letter. I expect a timely response and would appreciate receiving an updated copy of my credit report reflecting the necessary corrections. 

I trust in Experian 's commitment to accuracy and hope this matter will be addressed with the urgency and seriousness it demands. Thank you in advance for your understanding and cooperation. 

Warm regards, 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 2023-04-04
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 with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX loan services # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( 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. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: LEXISNEXIS
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:
According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists XXXX XXXX and LexisNexis continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these XXXX bureaus... 

XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX XXXX XXXX 's {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunios results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix this error because the date remains the same. I've never once denied ownership of this account with transunion and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.

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 2023-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-26
Company: Experian Information Solutions 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:
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.

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 2023-06-14
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with XXXX reporting inaccurate information and with Lexis Nexus risk services also reporting inaccurate information even after they are suppose to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing is reporting a debt and now reporting paid in full that I did not owe them. I had no contract with them and no obligation to pay them. I owed XXXX and paid the debt owed of {$450.00} on XX/XX/2019 to XXXX directly. I have attempted on several occasions to get Convergent to not report and all have been failed attempts. I would like for their reporting on XXXX and XXXX  to be deleted immediately.

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 2018-12-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: 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 Accounts 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 # XXXX. I've proactively remembered these 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: IL
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 currently have XXXX federal student loans serviced by XXXX XXXX XXXX XXXX XXXX. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX 's refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA.

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''.

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.

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