BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received online notification from all three credit bureaus on that IC SYSTEM Collections placed a Collection account on my credit report in the totals of {$1500.00}. I do not have an account or agreement with IC SYSTEM Collections. IC SYSTEM Collections violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

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 2023-07-26
Company: EQUIFAX, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Meade & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was injured at work and have a settlement agreement that my previous employer is to pay for all future education expenses through the State of California XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX  did not submit a request for payment to the State of California. They then forwarded my bill to a collection agency.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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, accounts XXXX, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: WA
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'm honestly not sure how to even approach this. I received an email with Experian asking me to confirm if a vehicle was mine. I have a credit freeze at all the bureaus so no loans should be able to be taken out but I logged in. The vehicle they are asking about? My roommate 's XXXX  XXXX. It is paid off. There's no reason to even ask about it because there is no reason for it to be on " my credit report ''. I was never on his loan. I was never on his title. As far as Experian is concerned? We are complete strangers. 

This is not a question they should be asking me AT ALL. We do not share the same last name. We do not share any financial information or bank accounts. Our finances are NOT co-mingled in anyway. 

I can not begin to understand what Experian is doing here but it is so beyond what is appropriate. 

What if I had said yes and claimed this vehicle as mine? It is paid 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 2018-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX   XXXX on my credit bureau and it's negatively impacting my score.

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 2019-12-05
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We pulled ahead the lease and got a new lease. When I called Ford Motor Credit to see how it will work since we were paid ahead when we pulled ahead the lease I was told by the representative on the phone that Ford Motor Credit waives the last 3 months of the lease term and then should check with the dealership to see what they did with the remaining amount owed. This call happened on XX/XX/XXXX starting at XXXX and originated from phone number XXXX. 

I then checked the lease documents and saw first that they rolled the full amount owed into our new lease and the amount they rolled over was more than was owed according to Ford Credit. 

I spoke with XXXX the finance director at XXXX XXXX and XXXX, the dealership, on XX/XX/XXXX and was told they know nothing about waiving the last three months. They did admit they owed us {$140.00} which is the amount over the amount owed that they rolled into the new lease. They claim that " incentives '' covered the amount rolled over but could not pin point which " incentive '' did that. When I pushed that Ford Credit said they were waiving not giving an incentive XXXX claims to have called Ford Credit but his account of my conversation was not in any way accurate to the actual call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Experian has been participating in illegal credit reporting and We worked on and achieved obtaining a letter from one company, XXXXXXXX XXXX XXXX  who admitted, apologized, and sent us a letter stating this illegal, Wrongful, and damaging account is to Be Removed from the Credit reporting agencies ( Although we only Noticed it on the EXPERIAN credit report ). I uploaded Thier letter, emailed Experian, for the past three days regarding this account to be removed from my credit report and they have done nothing to FURTHER demonstrate Thier Participating Harmful And Damaging credit reporting and lowering my scores this month to over 31+ points. I want my Score restored asap, and I want them to remove XXXXXXXX XXXX XXXX from my credit report, since they even asked that it be quote, " Deleted off my credit reports & accounts '' Best regards, 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 2023-08-29
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I received a email from my schools email stating that there was an approved job offer. I applied for the job thinking it was legit. The person emailed me back with information regarding the job. He stated that he works with a charity amoungst a lot of other stuff. He sends a check to my house and tells me to cash it then says I have to send the money to a lady. I didnt think anything of it because it came from my schools email. Next day I look up I am {$2400.00} in debt and I have been contacting the man but he has blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: American First Finance, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: AL
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 ============================================= XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= XXXX ============================================= XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
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 have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % 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 2023-03-24
Company: EQUIFAX, INC.
State: FL
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 have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Monterey Financial Services LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Monterey Financial services pulled my credit without having an SSA 89 from me. they did the same to my wife as well. The SSA 89 is to prevent the misuse of anyone 's social security numbers and is only good for one use and expires after 90 days from date signed and pulling without one on file constitutes as identify theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo account recently ( XX/XX/30 ) and went to the local branch to deposit my money to pay this months bills with. I asked about a card since I have a new account if they offered temporary ones or anything and they didnt. So I deposited {$400.00} and then {$1700.00}. I sent my fianc {$700.00} through XXXX as that was the only way I could access my money without a debit card. Today ( XXXX ) I go to make my monthly bill payments and my account has been drained by a XXXX XXXX XXXX XXXX XXXX for {$400.00} and {$1000.00}. I contacted the bank about the issue and was simply transferred around to different employees who expressed how they did not understand how this was possible. I finally was able to file a dispute which is said to take up to 10 days, leaving me with late fees on my rent and broke until this is resolved. How can my bank be emptied without even notifying me and how can a card be used when there was not one issued?? This is an inside scam or something I need my money back something shady has went on and I am stuck in the middle of it. I do not have an account or affiliation with any of these charges other than the 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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX i made a mobile deposit to Capital One Bank and received an email saying the deposit would be placed on hold until XX/XX/2023. I understand the process of letting the funds clear to ensure the check was good. I did not receive any other notifications. On XXXX XXXX I call customer service and ask when the deposit would be available and was told the check now looks suspicious and would not be released until XX/XX/2023 at XXXX XXXX. They then tried to call to person who wrote the check and did not get an answer. This person should not have to justify themself to my bank for any reason. I am now without my money for 60 days because of some person at the bank. I tried to cancel the deposite and they would not let me. I did not ask them to trust anyone, they had enough time to clear the check thru the other bank. Other than some XXXX handling the account i can think of no reason to withhold this check if it has cleared. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm a victim and have dealt with extreme identity theft for years. During this time, I've had my credit frozen and unfrozen and also flagged for ID theft- it's been difficult for me to get loans. I've reported to the police on numerous occasions for mail fraud and this is the first step, getting my credit reports. 

Currently, I'm dealing with ID theft still and trying to get an accurate picture but the freeannualreport.org will only allow me to see XXXX. I have tried through the mail to get reports in the past year and have been unsuccessful. There are inaccuracies on XXXX that do not add up on my Chase Bank and I would like to freeze my reports, however, I need to see the reports first. 

Right now, I need assistance before I can get an attorney and this is the first step. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I confronted Bank of America in XX/XX/XXXX when I realized that bank of America gave away my direct deposit statements away to someone that's not on my account certified stamped and signed by a bank manager that worked at the bank and was later able to use in court. I found them in my daughters mothers financial packet at the courthouse. They said they would do an investigation and get back to me. I waited a couple weeks for them to get back to me and when I explained the issue to them and they told me that I should go get a police report in the state that it happened in. I then reached out to the CEO of Bank of America and he then had XXXX the regional manager for that region or branch call me. She then said she was going to do another investigation and get back to me within a week. She got back to me and said she couldn't find nothing but they will put a special team to overwatch my account. I told her that doesn't prove anything and asked what my case number was and she told me that she couldn't give me that information. I then reached back out to the CEO and got a call from XXXX again and she said they would give me {$500.00} dollars for what I went through and I declined the offer. My daughters mother was able to use my proof of income coming from the XXXX to scheme the system and manipulate her finances in her favor to get more money out of me. I recently reached out to XXXX XXXX the resolution specialist a couple times last week then got a call back from her on XX/XX/XXXX and she stated they weren't able to verify the time and date of when this occurred when I have the proof of when it did it states XX/XX/XXXX and she also said it was to long ago and said because I have my mother on my account that it could have been her. All it looks like is that bank of America knows they messed up and isn't trying to own up to there former manager signing off on a certified document and having a way of not being caught in the system. That is not my issue that they can't verify or find out the exact date and time of when she did it, all I know that it was signed and had all my recent direct deposits from XXXX to XXXX because she had court on the XXXX of XX/XX/XXXX. It was found at the courthouse and used fraudulently without my consent. They should have a system in place that employees or managers can't get into your information without having my consent to give away my information so freely to someone that has no right to have my personal information in the first place.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since XX/XX/XXXX I have not received in any compacity an updated credit report. I have asked for a report to be sent to the address that is on file ( even when being told they have none of that information ), it's on my personal information when I go into my account on the Experian app. I have been doing what I can and know to rectify the situation. My attempts to get in contact with anyone who can resolve any issues have been met with multiple transfers and end up getting hung up on which is very unprofessional. I have a witness to my many frustrations with getting any and correct information.

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 2023-06-15
Company: Experian Information Solutions 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have 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