BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NV
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2022-06-03
Company: EQUIFAX, INC.
State: CA
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 Everything has to be 100 % accurate on my credit. XXXX XXXX  #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.

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 2019-01-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a XXXX  account that originally incorrectly misstated I had a late payment. XXXX   made the mistake, and after I talked with them, they have since removed the late payment from THEIR records on XX/XX/XXXX.

I called XXXX  for the sixth time since then on Friday, XX/XX/XXXX, and they confirmed again they were no longer are reporting any late payments. I subsequently placed another dispute, my seventh, with Experian that I didn't have this late payment with XXXX. I just received the results of this dispute, on XX/XX/XXXX, that Experian are claiming that the original information is accurate and they are not removing the late payment. Basically they are still not reporting the same results as the creditor is.

As you can see from the attachment, dated all the way back on XX/XX/XXXX, XXXX  admitted their mistake and have stated that there should not have been a late payment. This late payment should be removed in Experian records, but for some unforseen reason they refuse to. I have exercised every other Avenue at my disposal to rectify this wrong, and I have not been able to.

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 2021-11-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
As it is VERY clear to see, ALL of my accounts are in good standing, paid off/never late, paid in full etc etc and then theres this vehicle that has been on here that I havent known what to do with. Every time I call Toyota Motor Credit, they are rude, unhelpful, and ask for the social security of the accountholder. Since it isnt me, they treat it like XXXX XXXX. So how am I supposed to even know whats going on when they wont comply? I own, operate and pay for ONE vehicle. I have NEVER lived at the address associated with the creditors account -- which states on my credit it was reported by them -- and I am sick of seeing this information on my credit. I dont care how it gets removed it just needs to or they need to be more open about their communication with me. Ive called multiple times with no resolution because theyve simply made it not their problem but what IS a problem is having this under my name and on my credit. And because I dont have the right social security number, there is no information I have been given, which has led me to dispute. Do you all need bank statements, my XXXX file,.?? What is it? I cant even protect myself because Im given no option?! This is literally outrageous and Im very close to suing them. If its mine and certified then why can I make no changes, be removed, get access to the account when I call to start, any of those things?? Is this car parked outside my house? Do I have even a copy of a key? Have I ever driven this vehicle or made any payments on it?? When it makes sense I cant say anything, but this is making ZERO. The answer to every question here is no and Im not standing for that.

I dont pay late, in fact I pay early. I dont have ANY other accounts that are suffering, so how is this adding up?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CL Holdings LLC
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:
The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX XXXX # XXXX -JEFFERSNCP # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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. 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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America has accused me of committing fraudulent activities in my accounts resulting in their closure without notice. An advance-fee scam had taken place in one of my accounts via online search for payday/installment loans and a docusign, followed by money placed into my account then the sending of money via XXXX XXXX to the scammer 's name and city/country. The promise of money from what I thought was a reliable source took my hard earned income via overdraft fees and ways. I feel this was a mistake and shouldn't be handled by the permanent closure of my account without opening another in its place. I feel that I should be able to utilize their banking tools for and in my personal needs.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Everything has to be 100 % accurate on my credit. XXXX XXXX #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 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

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 2018-09-11
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. Submitted a loan modification application on behalf of our client. 

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. contacted Shellpoint to acquire an update on the modification review. We were advised by XXXX XXXX that we need to wait until XX/XX/XXXX to apply due to a past approval. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint and were advised that the file was approved for a modification on or about XX/XX/XXXX. However, the approval was closed out because the trial letter was returned to Shellpoint. 
We advised them that we are their attorneys and it should have come to our office. 
They requested that we call them back, so they can investigate the matter. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint and we were advised by a supervisor that they would contact the investor and confirm if the investor is willing to honor the trial due to the following reasons. 
1. The trial letter was never sent out to the client 2. Our office was never advised of the approval and we are their attorney of record 3. Our client was never advised of the approval XX/XX/XXXX we received a voicemail from Shellpoint notifying us that the file has been submitted for an approval and will call us back with an update. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called and emailed Shellpoint for an  update no response was provided XXXX/XXXX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint for an update no response was provided XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint for an update. At this point we were notified by XXXX XXXX that they never received the final modification agreement sent to the client on XX/XX/XXXX and the file was closed on XX/XX/XXXX and we now need to wait until XX/XX/XXXX to reapply. 
I informed Mr. XXXX that our client has notified Shellpoint several times that hey never received the contract. I also began to notify them on the information above and I was told that the conversation was a moot point. I requested a supervisor and was immediately told that they are unavailable and transferred to their voicemail. I have not received a call back however, we believe Shellpoint is contacting our client and ignoring our office despite our request to have all calls are correspondence to be sent to our office. We also requested for the tracking number from the contract sent to our client on XX/XX/XXXX however, it was not provided. 
We believe that Shellpoint is not acting in good faith. We have been misinformed and possibly deliberately mislead by their staff at the benefit of Shellpoint. Our client is determined to save her home, if Shellpoint was acting in good faith and not misleading us this matter would have been resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Genesis credit management Placed my personal information to the public with out my Consent or knowledge I request this be taking off my credit report I did not give permission nor did I agree.

I would like to see any suppose agreement they may produce. I have not given consent to share with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had an account with American Express Credit Cards for over 6 months. I have had a {$10000.00} line of credit with them since opening the account. I have a {$4000.00} balance on the account and all payments have exceeded the minimum monthly payment due and have been paid prior to the due date, with no late payments ever. 
On XX/XX/19, I received an email informing me that they lowered my line of credit to {$4400.00} for no reason. I replied to the feedback link they sent in the email, as they wanted my feedback. I explained that this was completely uncalled for and an unfair business practice. I additionally asked about how to file an appeal and how that process works. 
I have received no response and would like this this looked into please. I have never had any missed or late payments on any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been fighting with the credit bureau about this debit that ERC is reporting on behalf of XXXX. I went and returned equipments and paid my finally bill. And now this same debit is sold to another company trying to collect again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: CA
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:
My credit report is showing late payments to WELLS FARGO BANK N.A XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.

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