BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: PA
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.

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 2023-08-14
Company: EQUIFAX, INC.
State: MS
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Conn's, 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2020-01-10
Company: Resurgent Capital Services L.P.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: DE
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 XX/XX/XXXX through the CFPB I submit a complaint of the inaccurate information on my credit report to Experian and asked that they send me the original contracts with my signature and address since on their site it have different addresses that I cant delete and I never lived their. Experian has yet to supply with with the original copies yet they keep telling me that they verified the information to be exact. I would like for Experian to provide me with the original copies of the original contract to ALL NEGATIVE ACCOUNTS PERTAINING TO ME THAT THEY PUBLISH ON THEIR WEBSITE WITH THE ADDRESS THAT I SUBMIT IN YHE FILES.! This is my 4th complain via CFPB and has yet to get a resolution. How can Experian say they investigated the complain without providing the original contract. How can you establish a burden of proof without the original copy. I would like for Experian provided the source, the investigation method and their validation of proof .Im requesting proof of an original contract with the and signature from me at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also for address XXXX XXXX XXXX XXXX Ny, XXXX. Also for address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want all original contracts provide with the above addresses and with my signature requesting also that Experian pay for the damages they are causing me mental stress! Im in the process of getting a lawyer to sue for damages.

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 2023-08-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I setup automatic payments ( of $ XXXX/month ) for my Bank of America account for the year of 2019. The automatic payments were processed by Bank of America until the end of XXXX. I found out that they did not process my scheduled automatic payments for the months of XXXX. I accrued late fees ( of {$39.00} ) for each month ( 4 late-fees total ; one for each month ). These late fees impacted my credit score negatively. I talked to Bank of America and their representative said they couldn't do anything to resolve my credit score.

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 2022-02-04
Company: ACCESS GROUP INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This loan is from XXXX when I was going to XXXX XXXX  XXXX XXXX XXXX The loan is now over 21 years old. Unlike Federal loans which I was able to put into deferment, forbearance, & income-based repayment, the private loans basically only allowed me 6 months of unemployment or income based deferment during the whole life of loan. I actually first defaulted on these loans like 15 years ago. I expected to possibly be sued then. I was making payments of a bare {$50.00} a month at times over the last 15 years, but because I have become XXXX over the last XXXX to XXXX years as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had my federal loans dismissed under XXXX XXXX diagnosis. Meanwhile, this loan company has decided to sue me now for these loans in XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2020, CarMax repossessed my car before the date it was due, according to what they told me on the phone, which was the XXXX. 
I was ready to pay one of my installments on Friday the XXXX. 

They asked me why my payments were late and I told them that I lost in one week, two clients that were putting food on the table. I even asked them to move one of the installments to the end of the contract, because I was going through financial hardship ( I told them this MANY times in MANY phone calls ), which would help me to get up to date and they always refused to help me, because they said that I didn't apply for that kind of help. 

However, after the car was repossessed, they offer me to defer all the fees to the end of my contract as a " one time courtesy ''. 
I asked them " Why do you want to do that now, that you repossessed my car and NOT when it could have helped me to get up to date? '' Their answer was that it would be because I'd get up to date with the payments, to which I said " I would have gotten up to date, had you allowed me to do it, when I mentioned to you that I was going through financial hardship ''. 

I dispute this abusive maneuver by CarMax. They took my only means of transportation, before the time I was told by MANY reps over the phone, without giving me ONE chance to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
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:
I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts.

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

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 2023-06-23
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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2018-01-13
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
the banks has hit me with 5 overdrafts on the XX/XX/XXXX & XX/XX/XXXX i deposited my check late on the XX/XX/XXXX but they always release XXXX XXXX time of deposit but not this time causing this overdrafts i understand the first one on the XX/XX/XXXX but the othere four on the XX/XX/XXXX are excessves fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, we transferred the balance on our Capital One card to a XXXX  XXXX XXXX credit card. On XX/XX/XXXX, I received a letter from Capital One asking me to call them and notifying me that my account has been put on restriction due to a fraud inquiry. I called right away and was asked to provide a bank statement to show that I was the owner of the account that paid my Capital One card. I did not understand why they cared who paid my card but agreed to provide information. We sent in the XXXX  XXXX XXXX statement that clearly shows the amount of money that was paid and that I am the owner of the account. I called Capital One on XX/XX/XXXX and was told that they can not clear the restriction until they get a XXXX statement. I explained that there is no XXXX statement and that I already provided the XXXX  XXXX XXXX statement at issue. I explained that it seems XXXX was entered in the notes by mistake. They asked me to resubmit and assured me this would be resolved in the coming days. I heard nothing and called again. I was again told that they are waiting for a XXXX statement. I explained the situation and asked to speak to a manager. The manager was not helpful and told me that I had no option to speak to anyone above him. On XX/XX/XXXX, I received letters noting that if they did not receive the information requested, my account would be closed. I called and explained the situation. I explained that anyone that looked in the system could see they were paid by XXXX  XXXX XXXX and that they already have the information that they have requested. Both the initial agent and then the manager that I spoke to told me that there was nothing that they could do until they received the XXXX information. Again, I explained that this information does not exist and is a mistake in their notes. I asked to speak to a different manager and was told that there is no other manager above this manager to speak with me and that basically I had no recourse. I have excellent credit and have done nothing wrong. Capital One has shut down my points that I have accrued over the years as a Capital One customer and are threatening to close my account. They refuse to review the information that they requested and offer no recourse to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Afternoon, Spoke with company a year ago in regard to this debt. Informed company debt does not belong to me, company stated they would not remove debt unless XX/XX/2019 -I paid a fee - paid fee of XXXX $ debt still on credit file. XX/XX/2019 - sent debt validation letter - No response from company after 30days XX/XX/2019 - contacted company to follow up on why there wasnt a response to my debt validation letter and to follow up on why company took payment and didnt honor agreement. XXXX XXXX XXXX to Manager XXXX was told she would review call - still no mention of why company did not follow up on debt validation 30 day FCRA requirement letter. Manager - stated she would give a call back once she reviewed call after I stated Im getting CFPB involved. XXXX mid Month - XX/XX/2019 - Called back to speak to Manager, sent to voice mail no response. XXXX - Mid Month -XX/XX/2019- spoke with XXXX General Manager - assured he would look into all of the above. No response from company since then. Inaccurate, information on my credit file. No response to Validation letter. Company not responding or following up with dispute.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: PA
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 received a fraud alert from Experian that a credit inquiry and new account were opened with XXXX XXXX XXXX and XXXX XXXX . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.

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 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " Charge-off 'XXXX and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind Equifax of the stipulations within the FCRA, notably : 15 U.S.C 1681 Section 602 A : This section highlights my right to privacy and the necessity of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that Equifax will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.

Company response to consumer: Closed with non-monetary relief