BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.

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 2021-08-03
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I received a debt collection letter from I.C. System, Inc. 

On XX/XX/2021 I wrote to I. C. System, Inc. not to call or mail me any further collection debt stuff, that it will be considered harasment. I mailed the letter on XX/XX/2021. 

On XX/XX/2021 at XXXX XXXX from the number XXXX, the male representative stated that he was trying to collect a debt for I.C, System, Inc. I told the guy that I wrote a letter to his company on XX/XX/2021 to not contact me further via, phone or by US Mail, that it would be considered harassment. He stated that his company doesn't have a letter in my file regarding this info. 

XX/XX/2021 after the phone call I wrote a letter telling I. C. System , Inc. not to contact me again via, phone or by US Mail. I will mail the letter via, Certified US Mail, Number 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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One Quick Silver Credit Card I was never notified that my 0 % promotional interest period ended early ( supposed to be on XX/XX/XXXX ) and was charged the interest fee. 
I paid my account in full and requested that the charge be reversed since Capital one did not notify me of this change, and after going back and forth with the first representative, she hung up in my face, I tried recording the phone call and when I mentioned I was recording the call, they would stop speaking and say they would not continue unless the call was not recorded. Although they are recording the call, so why is it a conspiracy to them when a customer is recording them! 
Date of the call to Capital one : XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
The lender XXXX  has been paid in full. Keeps reporting in accurate information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 I sent over a certified letter to Midland funding requesting debt validation. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well Midland has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
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:
I am disputing an item on my credit report as fraudulent. I am disputing the account : XXXX XXXX Account # XXXX as fraudulent. This account was opened without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 2020-04-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Three complaints : 1. The online access to my account at Wells Fargo was blocked due to unusual activity. Calling them to find out what the issue was, I was answered I had to ID myself personally at a branch. I explained I was living overseas, and the polite lady answered there was nothing she could do. 
2. No online service? OK, I tried the old fashioned way : On XXXX I faxed a funds transfer instruction ( which is a valid substitute for a check ), to the XXXX XXXX, XXXX , MD. , branch. It was not executed. Calling the branch, I was explained I had to ID myself at a branch. So now even a signed instruction is not good enouth. 
3. What to do? I decided to complain to Wells Fargo HQ, and emailed them ( today ) my issues, adressing it to the email adress showing on their site ( XXXX  ). 
And guess what - they wouldn't accept messages. It was returned to me undelivered.

These are my three issues. Thank you for your help.

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: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, 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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XXXX XXXX XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined.

under

15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

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 2023-08-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX  XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Southwest Credit Systems, L.P.
State: MI
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 do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Guild Mortgage Company LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
GUILD MORTGAGE CONTINUES TO IGNORE MY REQUESTS AND REFUSE TO PROVIDE ME WITH FOREBEARANCE UNDER THE CURRENT LAW WITH COVID THEY STATE THEY CALL ME OR SEND EMAILS TO WHICH THEY THEN DROP THE BALL AND CONTINUE TO REFUSE ME FOREBEARANCE WHEREBY I CAN PLACE MY MORTGAGE PAYMENTS ONTO THE BACK OF THE LOAN AS THE LAW ALLOWS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an HSA account managed by UMB Bank from a former employer. I have been unable to access or utilize my funds for medical expenses via their online portal since XX/XX/2021. My employment ended on XX/XX/XXXX, at which point I lost all access to my HSA account via the employer 's benefits portal. Upon working with UMB Bank, they informed me I would not have access to my funds until 'sometime in XXXX ' after the employer has 'released my full account ' to them. In the meantime, they have provided me with a temporary read-only access into my funds on their system, but this temporary view does not provide me with access to my money. Meanwhile, UMB Bank continues to invest and profit off my roughly {$7000.00} in HSA deposits and investments. I have asked the bank if I could close my account and roll my funds into a personal HSA at another institution, however, I was told that this would not be possible until 'sometime in XXXX  '. I find this practice to be unacceptable, unfair, deceptive, and abusive. Their current policies and procedures have made it impossible for me to fully access my HSA money for almost two months at this point -- without a clearly defined end date. In the meantime I've had to pay for medical expenses out of pocket and on high interest credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Old address keeps reappearing on credit report for and address i haven't live at ufor years. I dispute this many times and they credit bureau says info is correct or accurate.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX  Account 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 2023-08-13
Company: DISCOVER BANK
State: AZ
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:
Case XXXX Merchant Name : XXXX XXXX ( E-COMMERCE ) Dispute Amount : {$210.00} I have been disputing an ongoing case from XXXX. As the merchant indicated in their response to Discover, I had preorder a vehicle. They claimed I did not show up to pickup the vehicle.

So I reopened the case and provided Discover with XXXX map geolocation screen-prints ( with timestamps ) to prove I was at the location. In addition, the merchant physically scanned my Discover credit card at a physical terminal. I provided evidence that I possessed insurance prior to arriving. My reason for leaving without the rental vehicle is because I ordered XXXX vehicle insurance and the company attempted to charge me extra for their " premium required insurance '' without permission. Luckily, the unauthorized XXXX fell off ( from the physical card swipe ). I was disputing the remaining preorder. I fully understand it was " non-refundable '' ; however, the merchant breached the contract when they increased the costs considerably at pickup. I provided Discover with merchant reviews to establish that they have a long history of scamming individual 's in this manner. 
I even provided XXXX with a receipt from that day, including map legend from the rental vehicle location to my dentist appointment. 

Discover ultimately doesn't care, doesn't provide fraud protection, and refuses to glance at their own records to confirm I was present at the rental vehicle location ( where the Discover card was swiped at a physical terminal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 


Account name : Untitled Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
NOTICE Requesting Method of Investigation required pursuant to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I am demanding accounts in question to be delete or removed from my consumer file or credit file immediately. If you fail to comply i will take legal action Pursuant to 15 USC 1681n-Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have {$3000.00} in that for what exactly I don't know I would like for this to be removed out of my credit report has been affecting me and it's been here since XX/XX/2021 this has been going on for already months and brave month and it's affecting my credit like I said before

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 2018-11-08
Company: Checkr, Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been driving for XXXX for over four years. Earlier this year, they ordered a background check from Checkr, which reported three accidents on my driving record over the last three from the VA DMV. I have unsuccessfully tried by phone and emails to convince Checkr to relay to XXXX that in VA, accidents appear on a driver 's record regardless of whose fault it is but they do show a disclaimer regarding that, which Checkr does not show in its report. As a result XXXX has deactivated my account. I have also applied with such companies like XXXX and XXXX which have declined my application for the same number of accidents showing on my record I have provided Checkr with police reports and insurance company statements that I did not cause those accidents which they simply ignore. They would say contact the company involved, which would then say to go back to Checkr. Checkr would even show the rejection as coming from say XXXX, when it actually comes from them. Credit bureaus customarily forward consumer feedback re items on their credits to those who requested the investigation. I have attached copies of some communications I have had with Checkr about this matter.

Company response to consumer: Closed with explanation