BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-01-15
Company: LEXISNEXIS
State: IN
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 disputed bankruptcy case number-XXXX with LexisNexis. I filed a CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report. LexisNexis responded to the complaint stating : ( third paragraph, fourth sentence ) As previously explained, the address originally filed on the full bankruptcy docket ) - XXXX XXXX  XXXX XXXX, XXXX XXXX, IN XXXX obtained from Public Access to Court Electronic Records ( PACER ) is the address reported to LexisNexis with Ms. XXXX full social security number by the nationwide consumer reporting agencies. On my LexisNexis report under section Bankruptcy it states that the bankruptcy was filed XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/XXXX. There is no apartment number or letter associated with the address. I am attaching the bankruptcy section from my LexisNexis report that has the file date. I am attaching W-2s from wage earnings from the years XXXX and XXXX with my address listed on them as : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my HUD lease from XX/XX/XXXX because I moved to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my lease that clearly shows that I moved to XXXX XXXX  XXXX XXXX XXXX, IN XXXX in XX/XX/XXXX. How is a bankruptcy being reported with the file date as XX/XX/XXXX attached to a address that I wasnt living at when it was supposedly filed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX  XXXX  XXXX  -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX  Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX   Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I contacted Amerisave to ask how long I had to be in my current FHA loan before I could refinance. I was told " 6 months. '' Told that representative I was at work and couldn't talk at the time. XXXX XXXX called me after XXXX MST to go over the requirements. She knew it was a current FHA loan but said " Its fine we can proceed. '' questions and " approval '' took hours and led into more communication on XX/XX/2019. She stated she'd worked out all of the numbers and that I'd just need to pay the Application fee. Once application was complete, my current lender reached out to me stating the whole application was invalid based on FHA 's strict guidelines that the loan had to be over 12 months old to apply for a refi. I then attempted to call XXXX XXXX, Amerisave and XXXX 's Manager.  No on was ever available to help again. I am just requesting my {$500.00} application fee be returned based on the fact that I proactively called asking about the guidelines to the " professionals '' who should have known the lending guidelines. I have no desire to work with this company in the future ever again and would just like my funds returned.

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 2021-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2022-02-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with CREDIT ACCEPTANCE CORP with account number XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA.

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 2018-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
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:
Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, XXXX amd Equifax are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX  XXXX XXXX XXXX XXXX. - Remove Account. 
3. XXXX XXXX  - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX/XXXX  - Remove Account 8. XXXX/XXXX  - Remove Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was not late on this account with XXXX XXXX XXXX XXXX XX/XX/2019 & XX/XX/2019, what they are reporting. Both payments were made on time by a XXXX XXXX XXXX XXXX Representative over the phone. I paid this loan off 5 months before the pay off date. XXXX XXXX is reporting 5 late payments to all three credit bureaus which is incorrect. Please have this account removed from the three credit reports ( Experian, XXXX, XXXX Sincerely,

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 2023-02-11
Company: U.S. BANCORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I lost my home to foreclosure over 7 years ago. US Bank was my lender. The last payment was XX/XX/XXXX and the auction was XX/XX/XXXX. The 7 year time period has lapsed. It must be removed as the date of first delinquency has long since passed, as has the actual date of the foreclosure itself. Per the Fair Credit Reporting Act ( FCRA ), the mark must removed. I have contacted XXXX, XXXX XXXX, and XXXX. All simply " verified the information '' and took no action on it. I will hold US Bank accountable legally for continuing to report this past the statute of limitations provided by the FCRA if they do not remove it.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-02-22
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: Investigation took more than 30 days

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: OK
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:
My information with equifax has been breached and here is the proof. And they refuse to delete these accounts. So please delete these from my credit report immediately. As I was a victim of this data breach 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 2023-04-15
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian is reporting this collection account inaccurately XXXX XXXX XXXX XXXX as an " OPEN ACCOUNT '' and also shows a past due balance which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2021-02-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX 2021, I found 37 fraudulent transactions were made on my American Express Serve Prepaid Debit Accounts. The unauthorized transactions were made from XXXX XXXX to XXXX XXXX. The total amount of unauthorized transactions is {$4300.00}. After I noticed the fraud, I contacted American Express Serve immediately. I asked American Express Serve to replace my card right away and I'd like to dispute all the unauthorized transactions. But they told me I can only dispute the transactions that have been posted and several pending unauthorized transactions can not be disputed until those unauthorized transactions.If they had canceled those pending transactions, I would have lost less money. I also called the police right away. The police created a report for me. I filled the dispute forms that American Express Serve emailed to me with all the unauthorized transactions and submitted online. But the dispute was declined by American Express Serve without any reason explained. I re-opened all the disputes. At the same time, I contacted the stores where the fraudulent transactions were made and confirmed the person who made all the transactions with evidence. I submitted the dispute forms with the suspect information and the police report on XXXX XXXX 2021. After XXXX business days waiting, American Express Serve declined my dispute again without any explanations. All the fraudulent transactions were made online. But I have never made any online purchase using my American Express Serve Prepaid Debit Accounts since I activated this card which can be seen from my transaction history. I am so disappointed with the decision that American Express Serve made. I have provided everything for them to prove all the fraudulent transactions were made not by me. But they didn't look at the document. If American Express Serve had contacted any of the stores where the fraudulent transactions were made, they would have known who the suspect was. Unfortunately, American Express Serve didn't contact them. So I believe American Express Serve made the decision even without looking at the dispute form or making any investigation.

Company response to consumer: Closed with explanation