BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MI
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 reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : 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 explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : 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 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 2020-11-11
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a new complaint. I have been complaining since XXXX on XXXX. It is reporting to Transunion Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. Ordered a {$79.00} TV in XX/XX/XXXX and returned within same month. They didn't have accounts then, but noting I have an account. XXXX has been UUPDATING my Transunion Credit Report with inconsistency dates as if I made a purchased, reporting late payments upon having a ( XXXX ) XXXX balance, and reporting " adverse action '', since XXXX. It was noted to be remove off the Transunion Credit Report XX/XX/XXXX but now it changed to XX/XX/XXXX. Why IS CFPB ALLOWING 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: ENCORE CAPITAL GROUP INC.
State: ME
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 a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and Midland Credit, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been not been employed full-time since XX/XX/XXXX and have been struggling with my auto loan payments and fell behind. I was fortunate enough to find full-time employment in XXXX and have been able to catch-up payments, and am now current in the month of XXXX. I have been reviewing my past statements, and saw several instances where when I am able to make payments, I was still assessed a late fee. The payment due date is the XXXX of each month, with a grace period up until the XXXX of the same month. I was in arrears by at least a month each month I made a payment, until XX/XX/XXXX. 
The details of the months where I was assessed a late fee, despite my paying on time for that month are as follows : 1 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 2 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 3 ) In XX/XX/XXXX, I made two payments ( XXXX and the XXXX ), yet was assessed a late fee on the XXXX 4 ) In XX/XX/XXXX, I made a payment on the XXXX, yet was assessed a late fee on the XXXX 5 ) In XX/XX/XXXX, I made a payment on the XXXX and made another payment on the XXXX ( to finally get caught up ), and yet was assessed a late fee on the XXXX. 
I called Bank of America and asked why I was being assessed a late fee in the above months, despite making my payments within the grace period. I was told that because I was in arrears, my payment were applied to the month ( s ) I was in arrears, which still makes my current month payment late and was assessed a late fee. This in effect charges me a late fee on top of a late fee, since despite the month 's payment was made on time, the application of the payment received to my past due from prior month ( s ) makes my current month payment negligible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts has violated my rights : 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 XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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 : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor XXXX repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge XXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, 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 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a representative payee checking account, which Capital One told me they stopped offering last year, mentioning that this is part of how they keep costs low for everyone. I am representative payee for my XXXX y.o. son and his XXXX benefits, and the rules are clear : no joint account. Which is the only option Capital One seems to have available now. XXXX The account with one owner, which I tried to open for my son to comply with the XXXX rules, is not able to accept deposits of his checks according to Capital One rules because they have my name on them, formatted as " XXXX Representative Payee XXXX for XXXX Beneficiary ) '', and they claim to have no option to title the account as required by XXXX rules. ) All this is a problem for me, and my son, -- including, now I don't have access to the money from the check Capital One accepted for deposit, so I can't pay his expenses with it. And, XXXX requires he received his benefits via direct deposit, which I obviously can't do without an account. 

So, I will find another bank to take my business to. 

Big picture, though, this seems like discrimination against people with XXXX. Whether or not it was their aim, Capital One has effectively prevented all XXXX people who rely on representative payees from using their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
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:
Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my XXXX consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( XXXX and XXXX Collections & Outsourcing ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, Fair Collections & Outsourcing has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company Fair Collections & Out to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that Fair Collections & Outsourcing is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, Fair Collections & Out company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the 2015 case Jarzyna vs. Home Properties, et al., whereas Fair Collections & Outsourcing was charged with violating the Fair Debt Collection Practices Act.

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 2022-09-17
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account with US Bank on XX/XX/XXXX - a new account bonus of {$500.00} was offered via an online ad if I deposited {$5000.00} within 30 days and completed 5 qualifying transactions within 90 days. I signed up for the account after clicking on the ad with promo code XXXX. I deposited {$5000.00} on XX/XX/XXXX and completed the XXXX qualifying transaction on or before XX/XX/XXXX. The {$5000.00} remained on deposit with the bank until XX/XX/XXXX. 

I contacted the bank in early XXXX and was told it would be 45 days from my last transaction for the bonus to post ( which would equate to XX/XX/XXXX ). As of today, XX/XX/XXXX, the bonus has still not posted and after contacting the bank again today, I was transferred to 3 different departments with no resolution and was disconnected without getting additional 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 explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a single mother of two -- working XXXX jobs -- I tried many times to save my house and either lower the cost of my mortgage or do modifications, as both were denied by Wells Fargo. My real estate agent fought for XXXX years in order to get Wells Fargo to assist with the modification only to be denied for unknown reasons. Upon many different ways of approaching Wells Fargo, and being denied contact, abusively talked to, hung up on, totally ignored, my agent and I decided to sell the property in XXXX, PA. Even so much as having it short saled. We had XXXX good offers and Wells Fargo with their snooty attitudes denied both sales. I lost my home, I lost my XXXX- both girls had to find other places to live, and my mother ( who had helped me purchase the home ) died amongst all this uglieness.

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 2022-09-17
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello XXXX, I was a customer of XXXX for numbers XXXX and XXXX from XXXX till XXXX and I moved cellular providers to XXXX XXXX on XX/XX/XXXX for which I have an email from both XXXX confirming my new XXXX and an email from XXXX confirming that my plan was cancelled. 

XXXX repeatedly charged me from XXXX to XXXX for an amount of {$600.00} when i was not using their services. I have had multiple phone calls with XXXX and a case logged where they told me the issue would be resolved. 

The next thing i received is a collection bill from XXXX which is now reported to a collection agency and has already hit my credit report as a delinquency. I am in the process of buying a house and this is now impacting my ability to be a homeowner. 

I am attaching as evidence an email from XXXX dated XXXX XX/XX/XXXX that shows in the body of the email in Bold letters : XXXX Confirmation : Plan Cancelled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureau Experian was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
XXXX  dispute has been on going for more than 6 months with no response from the 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 2022-12-12
Company: EQUIFAX, INC.
State: WY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.

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 2022-09-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged a substantial amount of late fee and interest charges total US {$22.00} in my credit card account with Comenity Bank Master card. They charged based upon the {$5.00} on XX/XX/2022 which was an unauthorized charges by XXXX XXXX. On XX/XX/XXXX, XXXX has refunded me {$5.00}. 
I have called Comenity Credit card numbers, XXXX multiple times ( 5-10 times on XXXX XXXX ) to remove these illegal charges, but they always disconnect me when I choose the option to talk to their representatives. I have used online chat with their agents, who also would not want to dispute these charges for me. 
Please help me to move these illegal charges ( US {$22.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America has violated my right. over the last couple of weeks Bank of America has frozen my business assets. they have without notification, recourse and legal letter, stolen my money and have refused to allow me into my account and/ or give my my money. mind you this is all without reason. I will soon have to go to the police. please 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 non-monetary relief