BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2021-11-29
Company: LEXISNEXIS
State: CA
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 sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. 
LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. 
According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. 
So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. 
Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. 

So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. 
The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. 
XXXX and LexisNexis are breaking the law, and are violating my rights. 

I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. 

I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. 

Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX  minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} collection bureau of a 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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: BANK OF THE WEST
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a standing order that if funds in my bank account were low, that regular payments such as XXXX XXXX and XXXX not be withdrawn. I did not give my consent to have these deducted from my account and than to be charged {$35.00} service fee on each item. 
XX/XX/XXXX XXXX XXXX was withdrawn of {$10.00} XX/XX/XXXX Overdraft fee charged of {$35.00}.

XX/XX/XXXX Overdraft fee charged of {$30.00} XX/XX/XXXX XXXX XXXX for {$31.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Per mobile phone deposit, {$680.00} ( which as of XX/XX/XXXX still pending ) XX/XX/XXXX Debit converted check of {$10.00} XX/XX/XXXX Overdraft fee of {$35.00}. 
I called call center for Bank of the West XXXX to explain that per my order I did not consent to these being withdrawn. The supervisor stated on automatic payments that they were withheld.

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 monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions 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:
Good afternoon, I reached out to experian, XXXX  and XXXX regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Transfer Details dotted line Item # : XXXX Amount : {$50.00} From : XXXX XXXX  Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Truist Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Service : Standard - Inbound After receiving this email from XX/XX/XXXX The last email received was on XX/XX/XXXX about the Bonus offer and lost access to the account after that.

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 2023-03-14
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY DAUGHTER ( XXXX XXXX ) WAS XXXX  IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX XXXX RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX XXXX  AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD COVID AND PLEASE CONFIRM INFORMATION THAT WE MAY ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... 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 2021-09-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I would like the CFPB mediation in this matter. Some of the loans were dismissed if you were in a certain XXXX situation. I fit the description but Navient noted the loan would be dismissed, but it was placed on someone else account and not dismissed. Thanking you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company is absolutely HORRIBLE. I'm not sure how or why they are able to continue to lie and falsely report bogus information to the credit bureaus as well as charge unexplained fees EVERY MONTH, lock me out of my account portal to possibly justify and put a date on my payments that they want, and doctor the date of my payment history as a result and take my money every month and lie about a bankruptcy the NEVER included any information regarding my current residence ( the address in question ), remove my information from the credit bureaus, All of these thing occur as retaliation for complaining and not getting timely or honest responses to my numerous complaints and never taking into consideration all of the evidence I provide to prove what I'm complaining about. After my last inquiry my mortgage has gone up a usury {$120.00}, when my insurance or my property taxes have not gone up. PLEASE HELP. I'm at my wits end and if you can not help please let me know who can. I'd also like to state for the record if I am in bankruptcy how and why was I able to get approved to do huge costly home improvements done to my home? How or why would I do this as well as pay the mortgage on time every month or care? When they were reporting I managed to get screenshots that are totally contradictory to what they are saying now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CT
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, 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 2019-11-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX  I financed the purchase through XXXX. I made every payment of {$380.00} on time for 11 months. The last payment of {$380.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank. 

I received a subsequent statement indicating a late fee of {$780.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age. 

I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned. 

Thank you.

Company response to consumer: Closed with monetary relief