BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NC
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:
According to 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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 with 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 2020-02-27
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am disputing the following : XX/XX/XXXX {$800.00}, XX/XX/XXXX {$840.00}, XX/XX/XXXX {$0.00} I discovered the fraudulent charges and reported them to my bank right away. I was advised to change my user id/password for my online account, and get a new account number which I did with the assistance of a bank representative. I have not had any additional fraudulent activity on my accounts since. 

I received a provisional credit letter dated XX/XX/XXXX, advising temporary funds were issued to me while an investigation took place. I then received a final resolution letter dated XX/XX/XXXX, stating a confirmed error occurred and the provisional credit received is final and will remain in your account. Then on XX/XX/XXXX, the credit was removed from my account. It was finally on XX/XX/XXXX, that I was been able to get a formal response from the bank as to why they took the credit back. They state the credit was removed due to missing information that was not changed when directed to your online banking login on XX/XX/XXXX. This reason is contradictory to their initial resolution reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation.

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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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 2020-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company didn't provide valid proof of debt failed to follow FDCPA and FCRA rules and regulations. A new complaint will be filled out daily until the ARS complies with my request and follows the law.

A daily CFPB complaint will be created daily until ARS complies.

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 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Investigation took more than 30 days

Complaint:
I have had a mortgage with Bank of America since XXXX. The payment was linked to my Bank of America checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my Bank of America checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, Bank of America stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, XXXX, reported that there would be no change as Bank of America stands by the information they passed to XXXX. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.

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 2022-09-13
Company: EQUIFAX, INC.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Bread Financial 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 XXXX account # XXXX, has violated my right. 

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 a 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 2021-11-12
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Simultaneous examining my updates, the wrong information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent a letter to the Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any evidence provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Empowerment Ventures, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On  XXXX   XXXX  I called and disputed a charge from  XXXX  in the amount of  XXXX . Rushcard closed the dispute stating no error made, even though i was told by  2  managers that the funds would be returned back to me.I had to submit a rebuttal letter as well as a police report to show that i didnt make that charge and that still wasnt good enough. I have been told that managers were going to call me back and no one has never done so. I had to submit a BBB complaint on  XXXX  just to get a response from my complaints and  XXXX  replied back to the BBB. I had submitted a letter from  XXXX  sent to the BBB stating that the funds in the amount  XXXX  were sent back to me and i still do not have them.This has been the worst experience i have ever dealt with and i will be sending a letter to the attorney general, every news station and consumer affairs since rushcard wants to fradulently keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am buying a house. I am a loyal customer of XXXX XXXX XXXX for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XX/XX/XXXXsick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
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 looked upon my credit report and discovered these accounts that need to be deleted.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: AZ
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:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach JPMCB in XXXX. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Acceptance Corp reported my husband and I 30 days late on both of our credit reports. I called to ask them what happened because I had made a payment and it posted to my account and I had a confirmation number. Credit Acceptance traced the payment to our 2nd car loan account and found that the payment had been placed on the wrong account. Well our insurance also just paid off that 2nd car due to an accident from all the horrible snow we have gotten. Credit acceptance said that even though the payment went to the wrong account they couldn't open that account again and place it o the right account because the account was paid off and closed now. I spoke with a XXXX from Credit Acceptance and she said that she was placing a note on our file that her supervisor told her for us to dispute it and then when it is investigated the can let the credit company know what happened and that it was not late. Well we disputed it our dispute came back today saying that credit acceptance told the credit bureaus that it was true and accurately reported as past due. So obviously whoever did the investigation is just horrible at their job and not very thorough or the person working at Credit Acceptance didn't look into our file to see the notes they said they had placed.

Either way, this company has violated our FCRA rights and is making false allogations because they can look into their system and see that our payment was made in to the 2012 XXXX XXXX   account not the XXXX XXXX  account like we said and then see the notes from previous phone calls that they are supposed to be taking as part of their jobs. They also said the call was recorded so there are those records as well.

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 2019-07-25
Company: Convergent Resources, Inc.
State: IL
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 paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection  reps acts secretive as no one likes to give their names at Convergent Healthcare.  They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report. 

Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX Account )

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 2019-07-25
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
My mother received a phone call from Money Mart - XXXX XXXX saying if she paid him money, his company would give her a loan for {$5000.00}. She paid him {$2000.00} in XXXX XXXX gift cards purchased at the drug store. This took place between XX/XX/2019 and XX/XX/2019. He told her she could pick up her money at XXXX. She went to XXXX and they told her is was a scam. I told her to cease talking to him and that I would put in a report. He gave her an address of XXXX XXXX XXXX XXXX, FL. I have 2 phone numbers for him XXXX and XXXX. I have an email address for this person as well and documents he sent to her with a loan approval number as well.

Company response to consumer: Closed with explanation