BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX 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 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 2019-06-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, an unknown individual gain access to me and my sons joint account. This said individual then write a check for {$250.00} in his name and sent check to himself. On XX/XX/XXXX when my son went to use his bank card all his funds were gone. We immediately call TD bank and they help us change accounts and everything. We filled a dispute and had to wait 15 days. On XX/XX/XXXX I realized that they denied the claim, said I needed a police report. So I went to my local police station and filed a police report. Not to much they can do being this individual lived in South Carolina and we live in New Jersey. So I tool that to bank and refilled a police report. 15 days later was denied again. Fraud department later said I needed to try to file a police report in South Carolina, so I did. South Carolina police said this individual was a known criminal and they arrested him. I took TD bank that police report as well. Then fraud department said I needed an affidavit of fraudulent charges on my account that had to be notarized. Did that, now we into XXXX fighting with td about this money. In XX/XX/XXXX I filed my last dispute and was denied by them saying, hey we see that you didn't do this and this person did but there is nothing we can do for you because we don't know how he got into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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 XXXX  XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX wrongfully charged me for propane that I returned in the tank they removed from my property. This was their tank and I cancelled service due to their price gouging for propane. They left the tank on my property for almost 2 months once service was cancelled. They charged me {$150.00} for removing their tank from our property. The tank was more than 1/2 full when they removed and they refused to provide the proper credit to my account. I have requested they show me in the contract we signed that states that they can charge to remove their tank from our property and they have refused to provide that proof. We told them since they had refused to remove our tank in a timely manner that we were charging a storage fee of {$20.00} per day and there was over {$400.00} in storage fees that they owe us. In addition, they never picked up all of their property from our home. XXXX XXXX is the collection company and they have refuse to ever provide us with any of the documents we have requested. It has been years since XXXX XXXX has sent us any thing. They continue to charge us interest on a bill we feel that we do not owe. Time frame when tank was removed was approximately 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The XXXX XXXX XXXX was repossessed XX/XX/XXXX. It was auctioned off the following month, XX/XX/XXXX. American Honda Finance has violated 38 CFR 36.4283. American Honda Finance sends me bills and debt collection statements monthly stating that I owe {$7600.00}. I demand the Repossession be removed from my credit report immediately and I request to be compensated for the violation. Thank you. 

Dates of attempts to contact American Honda Finance : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The attorneys for Wells Fargo Bank N.A. ( the bank ) failed to serve us legally for notice of a Judgment Lien court date, wherein we did not get the opportunity to defend ourselves prior to a judgment being illegally entered against us. The bank previously failed to notify us ( by legal service ) for this same case prior. We called them out on this failure previously in writing. The bank claims that they sent notice by US mail, however not even one of the multiple letters they claim they sent were EVER received. The attorney for the bank works from XXXX XXXX, CA. We live in the country in XXXX, TX. We believe that the bank failed to provide us with legal notice to get a default judgment lien against us illegally. We were denied the opportunity to our defense. To close this matter out, we made a settlement offer. The greedy bank declined. We dispute that we were ever served and will seek further action.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
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 have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : Experian, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, Experian, XXXX, XXXX delete this bankruptcy immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and stress because of these results.

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 2018-03-09
Company: Experian Information Solutions Inc.
State: SC
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:
Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. 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 explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is 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 non-monetary relief
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: CO
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:
I've exhausted all efforts to correct this with XXXX XXXX XXXX XXXX and they refuse to address it. I've filed numerous disputes via all of the credit bureaus and it's still showing up on the credit report incorrect. 

They are reporting a 30 day late for XX/XX/XXXX. I will attach screenshots of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments on THEIR OWN statements showing the payments were made.

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 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}

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 2022-03-23
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:
In accordance with the Fair Credit Reporting act XXXX  account 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.

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 2019-03-15
Company: Credit Technologies, Inc.
State: TX
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Description : Mortgage closed with XXXX XXXX in XX/XX/2020 then was sold to Lakeview/XXXX. I have an FHA ( principle, interest, taxes, insurance escrowed ). Lakeview/XXXX has failed to pay my homeowners insurance on time causing them to send me a letter of cancellation. The letter does give me the option to pay out of pocket to keep the policy from canceling however I have paid out of pocket w/in my mortgage payment each and every month with the funds sitting in an escrow account. Lakeview/XXXX was instructed last week by goosehead insurance. ( see letter attached )

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 2017-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.

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 2017-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.

Company response to consumer: Closed with explanation