BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: AR
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've been having this problem with Equifax for a while now,, I disputed the bankruptcy that's showing inaccurate information on my Credit report. I disputed the bankruptcy in XXXX and they replied back it was verified and accurate on XX/XX/XXXX XXXX on XX/XX/2018 I asked the US Bankruptcy court by writing do they verify or send information to the credit Bureaus. The US Bankruptcy court replied back to me in writing saying that they do not provide any information to the credit bureau.. I have a copy of that letter from the clerk Enclosed. on XX/XX/2018 a security freeze was in effect on me with XXXX I have a copy of the freeze from XXXX XXXX. On XX/XX/2018 A security freeze was in effect with XXXX.. I have a copy of the freeze confirmation from XXXX. In XX/XX/2018 I sent a certified letter to Equifax to reinvestigate the inaccurate Bankruptcy on my credit report ... They replied back saying it was verified in XXXX. They are reporting inaccurate information because the US Bankruptcy do not report any information to the credit bureau. I have freeze on my credit file so how are they getting the verification.. They are reporting inaccurate information. They are reporting misleading information they are reporting information that is not valid. I then filed a complaint with the CFPB on XXXX for them to investigate why Equifax is not reporting 100 % accurate information. Also As you can see from the XX/XX/2018 report from Equifax ( XXXX ) they have the address listed as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) But on the XX/XX/XXXX report ( XXXX ) the address is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..The information is not accurate from the previous report, .. on XX/XX/2018 I submitted a complaint on this same issue with Equifax and they responded back saying they need authorization from me to proceed with my complaint,,, I called the CFPB to see what was that about and said Equifax need me to send in my Drivers license .and copy of my social security card,,, I called the Equifax global to see what was the issue and I advised them of my complaint and advised them that they already have pictures of my ID and my Social Security Card in file AND A COPY OF A BILL IN MY NAME SO WHY THEY NEED AUTHORZTION TO respond to my complaint. They are not trying to respond to my complaint because they know they are not reporting 100 % information on this issue and they are trying to get out of responding to my complaint. This is not right ... my consumer rights ' are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Account information incorrect

Complaint:
Experian refuses to remove a student loan balance from my credit report. 

My federal student loans were being serviced by XXXX. On XX/XX/2022, the balance of my federal student loans with XXXX was paid off when it was transferred to XXXX for consideration under the XXXX waiver. There were XXXX separate amounts : XXXX, XXXX and XXXX, for a total of XXXX, XXXX. ( The loans were subsequently forgiven under the XXXX program. ) These loans still show as owed to XXXX on my Experian credit report. I filed a dispute, but today they responded that the balance remains ; they will not remove it. I was instructed to take it up with the lender. I confirmed with XXXX that my balance is {$0.00}, but Experian won't take action other than to say I should take it up with XXXX or file a new dispute after 30 days..

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 2022-11-10
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Notice, it is a fact, Capital One is causing injury to my reputation as am looking to purchase a new home for family purposes Notice, am hoping Capital One is not discriminating against any of my rights as am exercising my rights in good faith. 12CFR 1002.1 ( b ) & 15 USC 1691 ( a ) ( 3 ) Notice, it is fact COVID-19 pandemic caused financial hardships in which resulted in a missed payment Notice, it is a fact, am in question, according to 15USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( bb ), if the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the Present on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Received a letter requesting my SSN to be given to Bank of America or else my accounts with them will be closed. I went to a branch on XX/XX/18 showed them my SSN and personal information. Spoke with XXXX a bank phone representative, and XXXX XXXX ( manager ) on XX/XX/18 but they're still indicating my accounts will be closed by Bank of America. 

I have banked with then for more than 10 years, I had a mortgage account, credit cards so they do have my SSN number. It is not fair that they are closing my accounts even after I have provided them the required information they have requested.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like the credit Bureau to open an investigation. That affirms I did not receive a proper debt validation that proves XXXX  are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the credit Bureau to take the collection off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).

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 2023-04-06
Company: EQUIFAX, INC.
State: VA
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 : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Resurgent Capital Services L.P.
State: CO
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:
Extended Complaint regarding case # XXXX. 

The FDCPA has already defined what communication means via 15 usc 1692a ( XXXX ) The medium that LVNV funding LLC has chose to use is my consumer report for an alleged debt I do not owe. 

Secondly another violation LVNV funding LLC has furnished very deceptive forms making it seem like a creditor and LVNV funding LLC is attempting to collect a debt. which is a violation of the FDCPA 15 usc 1692j according to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This has cause distress in my life and is harassment regarding a debt I do not owe this has cause the undermining of my credit worthiness and as prevented me from acquiring a mortgage and has put me into a deep harmful XXXX. The ways these debt collectors prey on consumers has to be stopped this is not fair and that is why congress put into place the FDCPA and STILL companies dont follow the law. I really hope congress finds a way to stop the abusive practices from debt collectors that try anyway they can to take from consumers as a profession. During the congressional findings congress found this to be true and accurate. That there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage failed to give me 45 days notice period to purchase wind insurance. As per federal law, United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. After 45 days they can apply a Forced Lender Insurance. 45 days never passed before they rushed into applying a Lender Forced Insurance, moreover was immediately applied in violation with the Federal Law. They have purchased insurance and charged my escrow account in violation with the Federal Law that is published on CFPB website.

This wind insurance charge was applied to my Escrow Account for unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: SC
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:
FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days.

I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information
Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: AZ
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 opened XX/XX/XXXX, XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX has violated my rights. 

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

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

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
THIS IS NOT A DUPLICATE COMPLAINT. Transunion is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The account type is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Transunion even is reporting the account date that it was closed, and notes that the account is paid in full, but still displays the ACCOUNT TYPE as open. This is incorrect. This account should no longer be displayed as open on any of my reports. I have included a letter from XXXX XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Transunion report with the error circled.

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 2022-11-10
Company: WELLS FARGO & COMPANY
State: PA
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:
This is now the second time I am trying to resolve my issue with Wells Fargo. I have been disputing a fraud case for over a month in a half which is getting me nowhere no matter how many times I call. They give me denials continually based on the facts that they believe I had the card when the charges where made or that I authorized said charges which I had not. So according to their factsI am still responsible for all the charges that were made on my credit card. Meanwhile some of these charges were cash advances to both the fraudulent checking account and savings account. Those accounts previously mentioned were closed down as fraudulent/unauthorized accounts by Wells Fargo XXXX They closed both accounts marked them as fraud and removed them from my account dashboard. So that leaves me with the question of how am I responsible for the {$550.00} ( plus interest fees ) in cash advances for money that I never recieved but rather was sent to a fraud account? On top of that I reviewed the account credit card rewards and {$370.00} in cash rewards was sent to the this fraudulent savings account for cash back rewards. If I am responsible for all these " alleged '' credit card charges and they are forcing me to pay for these charges why did I not recieve the {$370.00} in cash back rewards? Its not fair that they are charging me for charges I truly did not make nor did I allow anyone else or authorize any other charges. I am tired of trying to dispute with them because they still won't fix this issue after a month of going back and forth they still have done nothing but tell me to wait 30-45 days for a response!

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 2022-11-10
Company: SYNCHRONY FINANCIAL
State: OH
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:
I made a purchase on XX/XX/XXXX for {$240.00} at 0 % promotion for XXXX due XX/XX/XXXX company XXXX made another purchase to a different company also at 0 % for XXXX for {$130.00} on XX/XX/XXXX however due to statement cycle date this is due XX/XX/XXXX, company XXXX XXXX  XXXX 
I returned part of the purchase from XXXX and was issued a credit on XX/XX/XXXX for {$120.00}. However my balance due on XX/XX/XXXX didnt change. They applied this credit to the XXXX XXXX purchase and I know owe {$11.00} for the XXXX XXXX purchase. This is deceptive. Reallocating credit could have me paying them more interest.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt I HAVE ENCLOSED A COPY OF MY ID THEFT REPORT SEE ATTACHEDMENTS

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 2023-10-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have forwarded this information over to experian XXXX and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXXXXXX  from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXX self lender wants this removed from my credit report and these companies are giving me a hard time removing them!!

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 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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