BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 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 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.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
That Wells Fargo account I had does not recall in my memory. I had it open for XXXX years. I want it dismissed and off of my FCRA report. I never used it really. I can't remember using it all if I'm being honest. Waste of space on my report.

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 2022-03-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan has missing paperwork from when my student loans were transferred from my previous student loan servicer, XXXX. Ive asked for this information many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my credit card bill in full on XX/XX/XXXX. On XX/XX/XXXX Comenity Bread Financial charged a minimum interest of {$2.00}. I did not receive a bill. Since I had paid off the account, I did not go online to check the account. I was charged a late fee of {$2.00} on XXXX, and then another {$2.00} interest on XXXX, and then another late fee of {$6.00}, and then another interest charge of {$2.00} on XX/XX/XXXX. 

Today, for the first time since I paid off the account on XXXX, I received a bill reflecting the balance of {$14.00}. I called Comenity Bread Financial, and they indicated that while I had a XXXX balance as of XXXX, I had only made a partial payment in XXXX, XXXX. They said interest for the previous month does not reflect on the bill, so when I paid off the account in XXXX, XXXX, it did not cover the {$2.00} minimum interest charge - which had never been included on the bill - so that is why I was charged the {$2.00} interest charge on XX/XX/XXXX. 

They told me unless I paid the full account balance 2 months in a row, I would continue to be charged interest. This is ridiculous. If I paid the full account balance off ( which I did ) and then made no further purchases after that, how could I ever pay off the full account balance 2 months in a row? 

The XXXX bill was the first bill that I was sent since I paid off the XXXX bill on XXXX, so I was not even put on notice that these charges were still accruing. 

I spoke with a supervisor XXXX who indicated that she would reduce the {$14.00} outstanding balance down to {$2.00} but if I paid that amount, I would then be charged a minimum interest charge of {$2.00} in XXXX, so I would have to pay that again in order to have paid my " full balance '' 2 months in a row.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CT
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 XXXX I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded on XX/XX/2022 with a letter stating they verified the item through XXXX XXXX. I wrote to XXXX XXXX on XXXX XXXX to dispute this item in question and XXXX XXXX could not verify this item so they deleted it and removed it from their database. 

I wrote Equifax another letter on XXXX XXXX and provided them with the deleted Bankruptcy from the XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needed to be deleted according to the FCRA. On XXXX XXXX they replied back and have once again refused to delete this item which is effecting my ability to get favorable interest rates on auto loans and credit cards causing me to pay thousands more in interest every year. 

This item needs to be deleted and removed from my credit report if it can not be verified within thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 was never 30days late ( XXXX  ) can not prove I was ever 30 days late ( XXXX  ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 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. 
The credit report ( attached ) shows that the information being reported by ( XXXX  ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( XXXX  ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( XXXX  ) account does not match between all three credit reporting agencies the payment status for the ( XXXX  ) account does not match between all three credit reporting agencies the date of last active for the ( XXXX  ) account does not match between all three credit reporting agencies the payment history for the ( XXXX  ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( XXXX  ) illegally shuffled dates around

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 2023-05-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists from XXXX XXXX XXXX XXXX 

Pursuant to 18 USC 8.i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this 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 2023-10-11
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:
Hi back when covid 2020.everyone was getting unemployment .Its probably my fault I was suppose to show proof ofu identity and I did not have my id .so I finally got my birth certificate and went and got id by that time they froze my account and I've been trying to get back in ever since and just keep getting the run around .boa says XXXX  froze my account for me to contact them it's impossible to get some one to help you then I find out that only the bank can freeze or close an account. I haven't had any luck getting my funds that were still in there almost XXXX $ .I would like if someone could help me.ive been trying to get my funds for almost 3 years with no help from bank of America .. my account is not fraudulent I have my birth certificate & California id now and would like to know if there is anything I can do to get my funds back Thank you XXXX XXXX XXXX 
XXXX is 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 2023-09-20
Company: Experian Information Solutions Inc.
State: MA
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 name is 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 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.

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 2022-06-02
Company: EQUIFAX, INC.
State: GA
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 XXXX Bank # XXXX and XXXX XXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Mr. Cooper had deleted years of statements to hide errors. Attached Statement showing what is due in XXXX, this is one of the missing statements. When we see what is due for XXXX its gone up something like {$50000.00}?!?!? why? please explain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MO
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:
DISPUTED WITH EQUIFAX BACK IN XX/XX/XXXX REGARDS TO A RE-AGED CLOSED ACCOUNTS THATS STILL SHOWING ON CREDIT REPORT THAT WERE FROM XXXX AND XXXX CONFIRMATION # XXXX for {$11000.00} AND # XXXX {$1500.00} According to the Fair Credit Reporting Act ( FCRA ), negative entries can remain on your credit reports for 7 years from the " Date of First Delinquency '' ( DOFD ) .Equifax back in XXXX Credit report confirmation # XXXX clearly shows the original DATE OF 1ST DELINQUENCY XX/XX/XXXX AND XX/XX/XXXX AND REFUSED TO CORRECT IT. Enclosed is a copy of that report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CARD Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Through XXXX XXXX, I searched for prepaid bank card to make purchases and pay bills online. Feared using my bank account where I have auto deposit. I pay XXXX to load my money on the card for purchases and bill 's. I went to check the balance on my prepaid card due to a airline ticket refund, XXXX XXXX. It showed the refund and the card was suspended. I could not access my money. I contacted the company and after several conversations with them, I learned that the customer service was not just customer service. When I accepted the card, I was led to believe that the card was issued by XXXX, a US FDIC insured bank. They issue the card but they can not access the account because they sell our accounts with our identification, social security numbers, birthdate, personal information and if we cash a check, they get that information and they have access to our credit reports, employment and if we use auto deposit, they also get our parole information. The disturbing problem is, the buyers are a offshore nonbank. This is who our accounts are being sold to by XXXX. They say they dont, but I asked the woman on the phone who they were because of her broken english as well as others at this phone number. After hounding her because I could not understand her, she told me how they purchase the accounts and laws don't apply to them because they are offshore, in another country, not the USA and they are a nonbank. The account is closed but they continued to pay theirselves a maintenance fee on a closed account that I am not able to access when it is my money that I paid to put on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get help.

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 2023-10-10
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Without acknowledging the request for validation, this account was applied to all 3 consumer reporting agencies on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: IL
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 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 2023-01-05
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.

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