BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: VA
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 was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX servicing has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.

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 2021-02-16
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a credit freeze at TransUnion. I answered one question incorrectly, but was unable to correct it so I was locked out of the system. I tried for hours to contact TransUnion and was on hold the entire time. I then tried to find a way to email TransUnion and there is no option for emailing. My only option was to write a letter, and according to the website it could take 30 days to get a response.

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 2022-09-08
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Yamaha Motor Finance Corporation USA
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My wife and I recently purchased a 2019 XXXX XXXX from a local dealer. We filled out the load application and submitted the paperwork to XXXX XXXX out of XXXX, NE, only to find out we weren't eligible for the sales promotion rate of 4.99 %. They said the best they could do was 21 % which we immediately said 'No ' and told them we'll just go buy a different manufacturers product. Within 15 minutes they came back with a rate of 7.99 %. After about 2 hours of going back and forth even trying to explain how to read a credit report we just signed for the 7.99 %. They claimed we had a lien filed against our property. 
We called our mortgage banker at the same time who told us that was the name of the initial loan company. Our mortgage banker told us to tell Yamaha that they need to learn how to read a credit report. Specifically when a loan says, 'satisfied '. My wife and I both have over 750+ credit score. I feel this was fraudulent activity on behalf of Yamaha. I don't think the promotion was real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Account status incorrect

Complaint:
XXXX  XXXX which is the same company as XXXX which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my Experian account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXX XXXX  accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.

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 2023-08-23
Company: Experian Information Solutions 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:
The following accounts are not accurate and need to be deleted immediately from my credit report. 

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 2023-07-02
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX received a letter from Municipal Collection Services XXXX ( XXXX XXXX XXXX ) regarding a debt supposedly owed to the " XXXX XXXX  XXXX ''. I sent them an email on XXXX requesting they provide any evidence of this debt existing, what it was for, etc. They have refused to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A balance transfer was done on XX/XX/2019 from XXXXXXXX XXXX  XXXX to Citibank Line of Credit. 
The transaction went through without a problem. After several weeks funds were never deposited to Citibank Line of Credit. A call was made to Citibank as an inquiry about the transfer. Citibank informed us they do not accept balance transfers. At that time, XXXX XXXX XXXX was contacted with the request the transaction be cancelled and funds returned to credit card. An investigation was done by XXXX XXXX and we were informed on XX/XX/2019 that Citibank had cashed the check # XXXX in the amount {$850.00}. We then contacted Citibank that same day with the information XXXX Bank provided us. After our phone conversation with Citibank, XXXX XXXX, the funds of {$850.00} were deposited in our Citibank checking plus overdraft account the next day. No one had any explanation as to who had the check or why was it deposited in the Citibank checking plus account overdraft. 
Upon using the money for bills the following day, Citibank reduced the checking plus overdraft funds by {$1300.00} thereby taking back about {$100.00} of the funds made available with the transfer check that was cashed to that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to pay my deceased Mothers balance of {$1.00} on XX/XX/XXXX. I did not know that her bank had put a hold on her account and that the payment was reversed on XX/XX/XXXX. I got a success transaction. But I received a bill on XX/XX/XXXX ( see enclosed ) that stated the payment was reserved and now you had charged me {$29.00} on a {$1.00} bill. I would have been better of not paying the {$1.00} bill but I tried to do the right thing. I called on XX/XX/XXXX to discuss this with XXXX XXXX Customer Service and got nowhere, so I asked to be transferred to a supervisor. I got XXXX and she was so apologetic and said she would handle this bill and for me not to pay it since it was all over {$1.00}. I took her at her word and heard nothing else until and lo and behold, today I got a letter stating this account had been transferred to US Bank for collection. Is XXXX XXXX that hard up for {$1.00}? If XXXX wasnt going to do as she said I would have happily paid the bill while talking to her on XX/XX/XXXX. TO SAY I AM SHOCKED IS AN UNDERSTATMENT. I even mailed a copy of the death certificate to her ( copy enclosed ). So for the record, I am not paying this bill. You can try and collect it all you want and you can ruin my XXXX PERFECT Credit ( FICO Score of XXXX ) and her perfect payment record to you. I dont think she needs credit in heaven. But I am not taking this lightly and have filed a compliant to XXXX, Consumer Financial Protection Bureau and FCC. It wont help this situation, but there were be yet one more compliant of record.

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 2023-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a notice from XXXX XXXX on XX/XX/2023, which required a response by XX/XX/2023, affording me a minimum of 30 days to address the matter. The communication explicitly stated that in the absence of a response by XX/XX/2023, they would assume the accuracy of the information. In response, I communicated on XX/XX/XXXX, requesting substantiating evidence regarding the ownership of the account. Regrettably, I have yet to receive any confirmation of this information. 

Presently, this account has entered arbitration due to the lack of a response from the company. My recourse at this point is to allow legal representation to explore the available avenues for obtaining the necessary information. 

My concern extends to the credit bureau, as there is a legal obligation to review and verify the accuracy of information before its inclusion in someone's credit report. This obligation is outlined in 15 USC 6801, which underscores the affirmative and continuous duty of each financial institution to safeguard the privacy of its customers and protect the confidentiality of their nonpublic personal information.

Furthermore, 15 USC 1681, section 604 ( a ) ( 2 ), clearly stipulates that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this case, both the financial institution and the consumer reporting agencies lack my consent to furnish this information, especially in the absence of written authorization. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise.

To underscore the gravity of the matter, 15 USC 6802 ( b ) ( c ) dictates that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The account in question is deemed adverse, and it is being reported without my consent, which contravenes the law. 

Lastly, 12 CFR 1016.7 clearly states that " A consumer may exercise the right to opt out at any time. '' I am choosing to exercise this right by opting out of your reporting services and formally demanding the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXXXXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2019-07-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in XX/XX/1993. Equifax and XXXX are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whomever it may concern : Thank you very much for taking time from your day to help. 

I have disputed this several times. 

An administrative forbearance was approved for 7 separate accounts from XX/XX/XXXX - XX/XX/XXXX and a General Forbearance was approved for the same 7 accounts from XX/XX/XXXX - XX/XX/XXXX. During this time period several late payments were reported. 

FedLoan Servicing initially failed to update current contact information ( upon MULTIPLE requests to do so ). 

I stumbled on this and it seemed to accurately depict my current situation. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 



Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX XXXX Account was hacked and scammed using Zelle. The scammer was able to hack my account and deplete my entire account. I called XXXX XXXX and made a dispute however was informed that more than likely it would be rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: IL
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:
This company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost 100 points lower. So disappointing and frustrating when your trying to be a independent American. Credit karma

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: SUNRISE CREDIT SERVICES, INC
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 have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

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