BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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 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 : Account # XXXX XXXX  : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX  : Acc # - XXXX XXXX : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

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

Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
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  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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 2023-07-23
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: Information belongs to someone else

Complaint:
I sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2020-09-15
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
cant not get my addressed changed so i can recive my card they keep sending it to the wrong adress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regions Bank failure to recognize insurance coverage and purchasing backdated insurance coverage. 

See attached documents outlining the issue and steps taken to resolve.

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 2022-11-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express attempted to withdraw {$40.00} on XX/XX/XXXX from my XXXX XXXX checking account. For some still unknown reason on XXXX XXXX side this transaction did not go through. 

On XX/XX/XXXX, a {$29.00} charge was assessed. 

On XX/XX/XXXX, I have paid the credit card in full ( a total of {$310.00} ) from a Different ( non-XXXX XXXXXXXX ) banking account. 

Since XX/XX/XXXX, the issue has billed me multiple " Return Payment fees '', charged Interest on those fees, attempted to withdraw money from XXXX XXXX, which initiates a failed withdrawal and triggers a " Return Payment fee ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: BARCLAYS BANK DELAWARE
State: OH
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:
RE : BARCLAY CREDIT CARD : A tow company charged my card {$60.00}, after the charge was paid by a third party. I contacted the credit card company. They did not issue a provisional credit, nor did they send any type of form, so that I could submit further information. I called the credit card company back and was advised that the group would get to it when they get to it. The credit card company contacted the merchant, and took the word of the merchant that the charge was legitimate, even though I, their customer, advised it was not. I then received correspondence stating the charge was, in fact, legitimate and that I had received a service. I, again, telephoned the credit card company to state that their correspondence was incorrect. I was then asked to send anything showing that the third party had taken responsibility for the charge. I faxed the email proving the third party had taken responsibility for, and paid, the charges. A few days after sending the proof to my credit card company, I received an alert from a credit monitoring service showing the credit card company had reported the dispute as resolved. Again, this was reported AFTER it was requested I submit further information ... RIGHT after. I then emailed the CEO, as well as another executive within the credit card company. I have received NO response from either party, or anyone on their behalf. I also contacted the credit card company via XXXX, twice, and they provided no help, with non-answers. Promising to assist, the company advised, via XXXX, that they found my account had previously been noted. This, of course, was of no help. 

In addition, the charge was not even for my vehicle. The correspondence from the third party paying the charge stated it was my vehicle, but it was not. I was merely involved in assisting the party whose vehicle was mistakenly taken by the tow company, which is why the third party paid the charges. I thought the credit card company was supposed to be looking out for me, as their customer.

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 monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: MD
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-12-04
Company: EQUIFAX, INC.
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Kriya Capital, LLC
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: Account information incorrect

Complaint:
I sent a dispute to credence as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had XXXX and filed a claim with federal trade commission as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I emailed the company on XX/XX/XXXX for a PMI waiver request as our home is worth significantly more than we bought it for so we're above 22 % equity, and it said I would get a response within 30 days and never did. I responded on XX/XX/XXXX to confirm they got my waiver and got the exact same 30 day automatic email response. I then messaged them and they said I would have a response within a few days. After not hearing anything I emailed AGAIN on XX/XX/XXXX and got the SAME automatic email. I then messaged again and they said they were working on it. I messaged AGAIN and the service rep I spoke with blamed me multiple times for the late response and said it would be 30 days from when I messaged her, which at that point was a solid 45 days after my waiver was sent. I messaged last Thursday and was told they flagged it so it would be a priority and got an email on Friday saying the matter was closed. I messaged on Tuesday to confirm as I hadn't gotten a response still, and they said they didn't know why it was closed and had to re-open my case. I then messaged again today and they said it was flagged but still hadn't been completed. It has been almost 60 days since I sent my initial email, meaning I'm paying additional PMI that I shouldn't be because they won't respond to my request so they can continue making an additional XXXX dollars off of me every month.

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 2018-06-12
Company: Army and Air Force Exchange Service
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.

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 2020-06-05
Company: Avadyne Health Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, XXXX sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX  Hospital located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from XXXX XXXX XXXX , XXXX was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through avadyne health ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX  billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I am a XXXX XXXX XXXXXXXXXXXX XXXX Veteran. Under federal law my income is exempt from garnishment. A collection agency received a writ of garnishment and Bank of America garnished the funds from all of my accounts with their bank. I am left with a XXXX balance on each of my four accounts. One of my accounts is shared and therefore, is not able to be garnished. 
All the sources of deposits into my Bank of America accounts are from the Veterans Administration with the exception of funds from my insurance company to do repairs on my property. 
I am now left with no money in my accounts.

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 monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 report act these accounts has violated my rights 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. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-06-04
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: Their investigation did not fix an error on your report

Complaint:
During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the Consumer Federal Protection Bureau to enforce the deletion of these accounts.

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 2022-05-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 an account without written instruction.

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