BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: FORD MOTOR CREDIT CO.
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 status incorrect

Complaint:
Ford Motor Company keeps reporting inaccurate information to my XXXX  credit file. I had a closed / past due account with ford motor credit in the amount of {$1100.00}, account # XXXX. I paid the account off to XXXX $ balance with the collection agency. I received a payoff letter from the collection agency XXXX XXXX XXXX XXXX XXXX. I supplied XXXX  with the payoff letter from XXXX XXXX XXXX and this collection account was finally updated to XXXX  balance and showed the account as paid. 

About 3-4 weeks later, Ford reported a past due balance of {$1100.00} to my XXXX  credit file AGAIN and they listed the account as OPEN. I spoke with XXXX and I was unable to get any help resolving this matter. Now the account is listed as open and shows a past due balance of {$1100.00}. I've disputed this with XXXX  Three separate times. This is my second time reporting this issue to CFPB.

I need help fixing this issue. Ford is bullying me, their customer service representatives refuse to help me. I do not know what to do anymore. I've supplied proof that I paid this account off, and I still can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Early winter XXXX I bought a frig thru Sears with 5 % reduction and 30 day return. I exchanged frig for a larger one with same t/c. My Sears account became a CITI account somewhere along the process. Early Spring I bought a XXXX gas range on same account as frig. Both on one year warranty. XX/XX/XXXX the range exploded and burned my house 100 %. No pmts after this. My view was Sears owed me new products or return of funds. CITI labeled me bad and my credit went from XXXX to near XXXX. CITI said it was a SEARS issue. Sears went into bankruptcy and did not handle warranty.

When Sears finally settled its court time, CITI had long ago called me a flake and turned me to collection. 

I hired XXXX  to fix my rating which they failed to do. Now, my getting credit is not possible with a bad record and my age, XXXX. 

I NEED DIRECTION XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2021 I wrote to Equifax to inform them of an unknown account reporting on my credit report. This account does not have a name and address to identify who the original creditor is on the account. 

On XX/XX/2021 I pulled a new detailed report and the account remains to report to Equifax with out any identification of who the creditor or collectors information. 

XX/XX/2021 I made one last attempt to request this information to be removed from my credit report. 

From my understanding this account is in violation for reporting without the creditor or collectors information as well for continuing to report despite letting Equifax know the account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MS
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 did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a parent loan through Navient. I have noticed that there are several lawsuits against them for misleading customers on repayments. I looked at my account that I have been paying on for about 11 years, and the amount I still owe is more than what I originally took the loan out for. how can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  Account # 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

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 2023-03-14
Company: Experian Information Solutions Inc.
State: NY
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX 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

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 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited money into my personal checking account and then {$95000.00} disappeared from the account. I am the only authorized user of my personal checking account. On XX/XX/23, a criminal accessed my online account using the Bank of America website and transferred out {$95000.00} from my personal checking account. The criminal apparently used the stolen money to pay off a loan debt that is NOT my debt. I reviewed the login date/time history of my personal checking online account and there is NO record of me logging into my checking account on XX/XX/23. Additionally, my personal checking account is setup with 2-factor authentication which requires a 6 digit access code to be text messaged to me every single time my personal checking account is accessed online. My phone shows there are NO text messages from Bank of America on XX/XX/23. In short, someone stole my money by bypassing ALL of Bank of America 's security features. Bank of America denied by fraud claim even though there is NO record of me accessing my personal checking account and NO record of an access code being texted to me. Bank of America is cheating me by denying my fraud claim.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I open my checking account and in XXXX Wellsfargo accuse me of putting a fraudulent check into my account and in XXXX they sent me a measly {$500.00} that was not enough for the mint to anguish and the embarrassment and they just hit me just really upset at that time I was XXXX XXXX XXXX. I am XXXX now I would like to get at least $ XXXX {$7500.00} from that what I went through because they reopen my account back in XXXX and sent me that the measly {$500.00} I think and I know I should get more than 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 2023-02-28
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Inquiry : 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 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 2020-01-11
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TCF Bank  stole XXXX me. They took money out of my account with the promise they would send a check to XXXX XXXX. They didn't send the check to XXXX XXXX. They took my money, then farmed out the check writing to a 3rd party named XXXX. When I complained on XX/XX/XXXX that they never sent the check to XXXX XXXX, an employee named XXXX told me she would not accept my complaint and would do nothing to help me. She told me to call next week and complain to somebody else because she was not willing to take any responsibility to send my complaint to the appropriate person. This is the 2nd time in the past 6 months they did this to me. They also stole XXXX on XX/XX/XXXX when they took money out of my account but did not send the check to XXXX XXXX. They said they refuse to notify customers when they have an error/trouble processing a check, and they refuse to balance their books, so any time they fail to mail a check to a recipient, they just keep the money and never tell the sender ( me ) that they didn't write the check or it wasn't cashed or whatever. Employee XXXX told me it was my job to call TCF during hours when it was convenient to TCF ; if it's not convenient for the employee, the employee just washes his/her hands and does nothing about the theft of my funds. I won't beg them to write the check I paid them to write. I won't waste my time begging them not to steal from me. I will let them pay {$400.00} per hour to an attorney to answer this complaint from the government. Maybe then, XXXX won't be such a XXXX  about my complaint of theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-25
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: U.S. BANCORP
State: MI
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:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I sent, through certified mail, a letter to XXXX, Equifax, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Equifax XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX  credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the FCRA, this creditor Chase has violated my rights, under USC15, 1681 section 602 states I have the right to Privacy.

USC 15 1681, SECTION 604 STATES A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION USC15,1666B STATES A CREDITOR CAN NOT TREAT A PAYMENT ON A OPEN CREDIT PLAN AS A LATE PAYMENT, UNDER ANY CIRCUMSTANCES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My savings account with Apple / Goldman Sachs has been frozen, leaving me unable to access my funds. 

Multiple attempts to remedy this via their support channels have been unsuccessful. 

Currently Im waiting on a telephone call from their ID verification team but they have no time estimate on when I can have access to my funds. 

Theyve previously verified my ID via phone call only 1-2 weeks ago when a similar problem arose with my attached credit card and so I have little confidence that unlocking my account will provide me with stable access to funds. 

This has been incredibly disruptive and I plan to withdraw all money from the account the moment Im able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have contacted each person and let them know that was not me and that my name was incorrectly spelled and wrong on paperwork but they continue to call I have written to all of them that's on my credit file and let them know either wrong address wrong phone number or wrong name and they still continue to harass me I would like all them to be deleted off of my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells fargo has been taking money from me since XXXX unauthorized transactions up until now I recently had gotten paid but they never gave me my money they said it was included with my available balance which wasnt true at all please help me I am so sick of them taking my money. I decided to close my account but while trying to do that its like they wont let me close it for some odd reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
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:
The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with Nissan XXXX XX/XX/XXXX. 
Despite disputing with XXXX, XXXX, XXXX, and Nissan, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.

Company response to consumer: Closed with explanation