BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: WA
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'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX is reporting a charged off on my consumer report with a balance of {$120.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX  acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, has violated my right. 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 2022-01-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After being approved, paid and sending a representative to phot the house last evening I received this false report which severely impacts my ability to secure insurance. The agent did not reveal the source other than some unknown XXXX. THE INFORMATION provided XXXX was grossly wrong. See attached letter. They have not refunded my money. Also CFPB SOFTWARE STILL DOES NOT WORK ... CONCERNING SS ENTRY ... ONLY YEARS STILL NOT WORKING

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 2017-07-10
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is reporting on my XXXX credit report for {$96.00} contract date X/2014. I have never been notified of this debt and I have never entered into a contract for services with CCS Collections. I have requested this debt to be verified and validated and I have never received either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The card in question is a XXXX 's Mastercard serviced by Comenity. Apparently this card was compromised several months back, but we were not notified ; we found out when the card was suspended and we called to inquire. During this compromise, the physical mailing address was changed to a XXXX address & email on the account was changed to one we know nothing about. That was supposedly straightened out and a few months later on XX/XX/XXXX we attempted to use the card again & it was suspended again. Upon calling, we were told the balance was {$0.00} and we requested the card be closed. XX/XX/XXXX we received a bill for the balance & past due charges. Apparently they didn't close the account as promised on XX/XX/XXXX & had sent the next monthly statement by email, which we didn't receive because the email address had been changed & " they couldn't change it back ''. We are out {$29.00} for the late fee because of Comenity 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi, I have been monitoring my credit scores with XXXX and Equifax. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both XXXX and Equifax have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both XXXX and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. TransUnion and XXXX data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, XXXX, and TransUnion need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.

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 2022-12-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX Equifax Account Name XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXXXXXX : Account Number XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have a 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 my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
In the month of XXXX I had gotten very sick and fell into a hardship to maintain my financial expenses. This effected my credit score outstanding. I was late for my car note payments from santander for XXXX $ for 2 months ( XXXX & XXXX ) and I was released from work because of unjust behaviors. I had to start back working and doing 10 hrs plus over time a week just to catch back up on all my payments towards my Santander auto loan. Me being sick and missing work for those weeks hurt me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX  I called XXXX and they would not remove the unauthorized Inquiries.

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 2023-11-26
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA currently features a warning at the top of my student loan account page that says " TIME TO RENEW '' and urges me to submit my income recertification by XX/XX/2024 in order to stay on my income-driven repayment plan. However, this is in direct contradiction to the information about IDR recertification on XXXX, which says : " The earliest you could be required to recertify is XX/XX/2024. '' I have tried contacting MOHELA about this and they refuse to respond or correct this false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have an account that was open in which I did not open it. My information was stolen out my purse when I was a relative house. I spoke with the bank over the phone but they could n't give me any information on the 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 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I tried to close my HELOC in XX/XX/XXXX. I have still not received my lien release from Bank of America. They say I owe them {$13.00} fee for lien release. On XX/XX/XXXX they debited my checking acct. with them for {$13.00}. Acct. ending in 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-12-10
Company: EQUIFAX, INC.
State: OH
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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 explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax failed to resolve an unauthorized credit inquire by XXXX. If Equifax is unable to obtain evidence from XXXX that I approved a " HARD '' inquire then the inquire must be removed, as i did not give XXXX any such authorization. XXXX is an internet and cable provider that had no business pulling my credit as i had no outstanding balance prior to their service disruption error. The only authorization was for them to review my payment history and see if i had any outstanding balances ... That was it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions 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:
On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from XXXX XXXX. Suspecting fraud, I called XXXX, the company which issues XXXX XXXX, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the XXXX XXXX XXXX XXXX. I requested that the account be closed and the unauthorized inquiry be removed, however, XXXX refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is 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 2024-01-06
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National Collection Bureau , Inc., a debt collector. Contacted me via telephone using an anonymous phone number to deceive me into accepting a contract that I have no idea about. This language is profane, and violates my consumer rights. 15 usc 1692 protects me as a consumer from abusive and misleading phone calls @ XX/XX/XXXX, XXXX. The bogus phone number that they used to contact me was XXXX XXXX. This is false and misleading. I would like to see for damages of {$1000.00}, for violating title 47 u.s.c 223 ( b ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with TransUnion, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.

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