BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-02-16
Company: Byrider Franchising, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Originally, I financed a XXXX XXXX accent for {$13000.00} in XXXX of XXXX. The company is CNAC/JD Byrider. I was in a bad financial situation and at the time, could afford the car. The car is valued at {$3000.00} per XXXX. I have had numerous harassing calls and emails ( 2-3 ) times each. The company, CNAC, has sent someone out to my house one a week for the last three weeks banging on my door, sitting in the driveway honking for 5 minutes straight. In addition, they call each of my references each day of the week 2-3 times. The staff has been unreasonably disrespectful each time I call. I am paying for some sort of collateral insurance every two weeks with adds an additional {$100.00} to the car payment although I have full coverage insurance on the car, which was submitted to them months ago. I am paying $ 430 monthly, about {$210.00} biweekly, for this car. They've threatened to repossess it numerous times. I will explain a situation and they refuse stating " there is no grace period. '' I changed jobs in XXXX of XXXX and informed the company of my new payment schedule. They never changed it. They attempt taking automated payments out of the account without my consent. Prior to the XXXX  manager switching, I never had this problem. I would call on the due date of the car and make the payment. This company has taken too much money from me and harassed myself and family members. I recently left my place of employment and begun looking for a new job. Still, this company continues to harass every day. They are far more concerned with money rather than the consumer. 

I have paid around {$3500.00} on the car, yet somehow owe {$12000.00}. The interest rate is far too high on the car as well. It is getting to the point i will not be able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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

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 2018-11-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding an alleged debt from " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$90.00} from dates of service : XX/XX/XXXX and XX/XX/XXXX. These two {$45.00} charges were disputed by me almost two years ago with the hospital due to the fact the doctors office wanted me to pay for an office visit to receive lab results. Upon hearing that XXXX XXXX decided to take their concerns to a debt collector almost two years later, I called Wakefield & Associates on XX/XX/XXXX and spoke to XXXX. During the phone call, I was informed that the debt owed was in fact not {$90.00} as listed in their letter, but rather {$110.00}. XXXX downplayed the other charges as " miscellenous '' but could not ( and would not ) provide any additional information about these charges. He did, however, mention that they were for dates of service XX/XX/XXXX and XX/XX/XXXX. While the charge in XXXX may be apart of the date of service on XX/XX/XXXX. I have been a resident of XXXX, TN and not visited XXXX XXXX  or XXXX, TN since leaving the city in XX/XX/XXXX so I am not sure how I could have been responsible for the alleged charge in XXXX of this year. After asking for more information about these charges, XXXX told me that there wasn't more that he could provide me, but that I would have to dispute the charges. He then began asking if I worked and where I worked. I told him that this was not relevant and not something he should be able to ask me. He became defensive and asked " why not '' and " what law are you taking about ''. He continued badgering me for information by asking if it was a " state or federal law. '' When I offered to look up the laws regarding contacting any other persons besides myself ( FDCPA 15 U.S.C. 1692b ) and engaging in abusive behavior ( FDCPA 15 U.S.C. 1692d ) he shut down and said that " we've already been on the phone for over ten minutes now. '' I told him that this conversation was also being recording and that I would be filing a complaint because of the tone and content of his questions. I have attached the recording of the phone conversation, as well as a photo copy of the letter sent to me for review.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*

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 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Report Act XXXX, Inquiry from CAPITAL ONE AUTO FINANCE date : XX/XX/2022, 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 an account without my written instructions. 

This inquiry from capital one is fraudulent, because I did not authorize this company to pull my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX the XXXX of 2022 my online banking was hacked and all my accounts drained. My bookkeeper and I noticed something strange while signed into Regions Bank On-line ; money was moving back and forth between accounts. When we attempted to stop this activity, we were signed out and unable to access the accounts again. We went to our local branch XXXX blocks away and sat down with our branch associate, XXXX. She pulled up our accounts and was seeing the same thing. All of our money was being transferred to the business account. She immediately got on the phone to contact any department that may be able to stop, explain, or halt what was happening. Every department she spoke with stated that it wasn't them, including the wire transfer department. My bookkeeper and I literally sat there watching the desktop computer screen with the Branch Representatives as all the monies in my account wire transferred away to an unknown source.

The branch manager assured me that I had nothing to worry about and that everything that was taken would be replaced within a few days. So, we opened new personal and business accounts. We closed all my other accounts save XXXX, in order to keep a connection with the incident. 

After several weeks of back and forth with the Branch Manager, I was told that Regions Investigators had found the account the monies had been wired to and that the Bank of the account had been notified. He told me that Regions was legally allowed 90 days from the point of the other bank 's notice confirmation to get the monies returned. After that 90 day process, he said I would receive my money. As of today, 108 days, I have not reimbursed what was stolen, nor given an explanation as to how it happened. I call my branch everyday for updates ; I am told they don't know what is happening nor when this issue will be resolved. I have spent days on the phone trying to contact anyone at Regions Bank, other than my branch reps, trying to find anyone who and shed light on the issue, but always end up repeating myself to customer service representatives with no answers or authority to escalate the call to anyone who might 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 explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee of {$38.00} even though I made my payment on the due date. The system forced a day later though I made my payment on the XXXX ( pictures attached ). I called to ask that the {$38.00} be removed, theay said they could not do that. I asked about the random cutoff time and was told that was company policy of when the post payments. I asked the supervisor how i could submit a written complaint, she said i could not do that and she could not give information on her manager. She said she would submit my feedback. I asked if I could get a copy of that and she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
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:
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 the customer service representative of the said accounts. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX GA XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage at the end of XXXX. The mortgage that was paid off was with Bank of America. I had paid several months ahead of my mortgage when I refinanced. The 1098 I received for XXXX did not include more than {$8000.00} of interest that was paid. I have been going back and forth with BofA since XXXX of this year on this issue. I have provided to BofA on several occasions, documentation from their systems showing that the amount they paid me from my refinance is off by around $ XXXX ( I took my original mortgage amount with BofA, added on the interest disclosed on the XXXX for the life of the loan and subtracted payments, including the payoff amount ). I don't know from an accounting perspective if I should be refunded this amount or of they should report it to the IRS as interest for XXXX. 

As you can see in the email chain that I am attaching, on XX/XX/XXXX at XXXX BofA agrees there is a " discrepancy with the reported interest numbers '' that they are trying to rectify. That was over seven weeks ago and they have still not rectified this. It has been over eight months since I first raised this issue. During this time they have used their large bureaucracy to try and make this problem go away by passing me around to different people, denying the validity of my complaint while at the same time not addressing the central point of my complaint ( i.e. the $ XXXX difference ) they also continually said that they did not know who I could contact in their Legal Department when I was considering a law suit. 

I think that a banking institution of the size of Bank of America should be able to address this problem in a more timely manner. In addition, this issue seems to be a system issue that most likely has impacted more than myself. I would hope that management at BofA would reach out to other impacted customers, but given my experience I am doubtful that they will do so.

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 2023-03-09
Company: LEXISNEXIS
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:
This complaint is addressed to LEXISNEXIS RISK SOLUTIONS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 my written instruction.

Company response to consumer: Closed with explanation