BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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:
Experian should not be reporting a collection in the amount of {$5500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was originally from the City of XXXX and was apparently for an electric bill. I never missed a payment for my electricity and have always paid on time. There was a tornado in the area and consequently the power was out for over ( 4 ) days. I never received any notice that the account was in jeopardy nor did I have any expectation there would be a bill due for this large a sum. I was not aware that this account had gone to collections until I received my most recent copy of my credit report. I have tried to contact the electric company as well as to resolve this issue however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau as well to remove this but have not been successful.

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 2023-03-26
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: Their investigation did not fix an error on your report

Complaint:
I have presented my consumer report to all three credit bureau and no one has responded or remove the issue with the proper documents that I mailed off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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 belongs to someone else

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
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 information incorrect

Complaint:
I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX N Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.

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 2023-03-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made bya 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I HAVE PROBLEMS WITH BANK OF AMERICA SOMEONE MADE A FRAUD WITH MY DEBIT CARD AND FRAUDED ME WITH {$4500.00} I MADE A CLAIM TO THE BANK AND THEY AS IF NOTHING TELL ME THERE WAS NO FRAUD AND THEY KEEP ALL MY MONEY, I MADE A COMPLAINT AGAIN TO THAT THEY INVESTIGATE I WILL MAKE A COMPLAINT TO THE POLICE DEPARTMENT, I NEED HELP TO RECOVER MY MONEY. CLAIM ID # 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 2023-07-29
Company: EQUIFAX, INC.
State: DE
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:
Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. XXXX / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: NJ
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:
There is an account on my credit report listed as XXXX XXXX with a balance of {XXXX} that I have never had/nor opened an account with at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a 2011 XXXX XXXX for {$15000.00} on XXXX.The Finance company is XXXX XXXX XXXX XXXX After looking at my account on today, XX/XX/XXXX, my statement for the payoff balance is {$14000.00}, with ALL full payments going towards the interest at 100 %. I have attached my transaction history. There has only been {$400.00} applied towards the principle of the car starting in XXXX of XXXX. I have been making payments of {$420.00} for the past 4.5 years and  none of those payments have been applied to the principle. Which means that I have been paying only the interest on a XXXX vehicle for 4.5 years. After speaking with the representative at XXXX today, she informed me that the amount still owed on the car is due to 6 extensions that  I have been granted over the life of the loan. 6 extensions over a 4.5 year period is far from unreasonable. Especially, when the extensions were due to over 10 recalls most not covered by the manufacturer, that I paid out of pocket for and mechanical issues with the car. I was also told that once I pay the last {$64.00} of the interest from the extensions most of my future payments would then go towards the principle of the car in which I will be paying another {$14000.00} in additional payments to pay the car off. As of today I have paid over {$20000.00} and I still owe {$14000.00} for a car purchased for {$15000.00} in XXXX.This company is practicing predatory lending by implementing negative amortization within there loan contracts which is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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 belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Blue bird Amex has shut off my account, withheld my money and will not take my calls to resolve this issue. I have done nothing violating their terms. 
XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: VA
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:
- - ______XXXX XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL Complaint about XXXX XXXX and Experian the credit bureau to stop their retaliation , discrimination and abuse against an American Taxpayer - - 1-The complaint is forced to be reported to the CFPB as first legitimate taken action about Experian and XXXX XXXX  unlawful manipulating of XXXX XXXX personal information data in his Experian credit report that is at least stored and administered by Experian.

2- the above referenced two corporates are alleged to have committed fraud, financial crime and other unlawful acts against the rights of XXXX XXXX XXXX XXXX believes he can prove with clear convincing evidences at any time and at any entity with jurisdiction that the two corporates To cover up their crimes alleged in prior filings against them that were filed by XXXX, they engaged in deleting, manipulating, miss-representing and fraud against XXXX XXXX Information Data that they were trusted access to but they breached that trust and moreover they both broke the law.

3-they breached trust, terms and conditions, contract, FCRA, CFPA and other anti-retaliation provisions recklessly and knowingly to cause all kind of harms against XXXX XXXX for his previous Reporting to government against the two corporates in separate cases.

both respondents must stop their retaliation and they must pay huge legal consequences for their illegal acts against an XXXX taxpayer XXXX XXXX. -As a reference Experian credit report XXXX as provided by Experian indicating date XXXX XXXX is contested for the reasons explained at least herein.

- Please note : Each of the two corporates responses or non-response to this legal complaint will be used against each of them at any time and in a court of law. 
-. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX or his legal representative if any and without waiving his rights under any circumstances. 
digitally Signed and Filed XXXX XXXX within CFPB by 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 2023-07-29
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 information incorrect

Complaint:
This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 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 an account without my written instructions.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed 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 is the list of the erroneous account reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date Opened XX/XX/2004 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had requested my free annual credit report to be sent to me back in XXXX or XX/XX/XXXX. It was not sent to me. Please send annual credit report to me ASAP. My name : XXXX XXXX. SSN XXXX DOB : XX/XX/XXXX. See attached ID with my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I hold my Bank of American credit cards ( XXXX  and XXXX card ) for XXXX years and keep using it. I was promised when I applied the credit cards that I can downgrade both credit cards to the Cash Rewards card without any annual fees. But now when I called the bank, the agents told me that I can't change any of them. I was shocked that the bank did not keep their word. I was told by my friends that someone can change their XXXX  and XXXX card into Cash Reward. I have no idea why BoA treated their customers differently. I doubt that BoA has discrimination on different customers and feel offence.

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 2022-10-06
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal is refusing to release funds after terminating my account with no explanation. I need these funds for survival and none are subject to any potential customer chargebacks which is the only legal term they should be holding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX XXXX and the XXXX market, I need these to be removed.

Company response to consumer: Closed with explanation