BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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 am writing to file a complaint against Experian, XXXX XXXX XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with Experian regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, Experian, XXXX XXXX XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided Experian, XXXX XXXX XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against Experian, XXXX XXXX XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that Experian, XXXX XXXX XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that Experian, XXXX XXXX XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that Experian, XXXX XXXX XXXX still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXX Bank Acct # XXXX, XXXX XXXX Bank Acct XXXX XXXX & XXXX XXXX XXXX  Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated

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 2017-08-14
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 XXXX b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLL is claiming that I owe them {$96.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MI
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 confidentiality under 15 USC 1681. 
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 bankruptcy discharged : 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name 
 XXXX XXXX XXXXXXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 



XXXX XXXXXXXX - XXXX - this account does not belong to me 
 XXXX XXXX XXXX XXXX - this creditor does not own this account. 


 XXXX XXXX- XXXX- I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX, XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately 
XXXX  XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 

XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






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 2023-04-25
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 a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00}

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 non-monetary relief
Consumer complaint received 2023-08-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
First bank I started with was Sterling - then I don't remember - then XXXX XXXX - now Webster~ The bank has changed its name four times, I keep calling and they refuse to close my account and give me my money. 
~ i moved to a different state and changed my phone number In order to log into the account, they need to send me a text message. They keep sending the text message to a phone that I no longer own. they will not accept my new phone number, and therefore i can't get into the account and close it. 

They keep asking me personal questions to confirm identity which I answer correctly. They're saying I'm not answering them correctly i've offered to send them copies of my driver 's license, my passport, my social security card, And they won't take any of them as proof of identity. I even offered to send them copies of old statements We're not talking about a lot of money, but whatever the amount is, it's mine. 

I have been trying for over 3 months, to no avail. How can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/19 i received a call stating i owed a debt and if i didnt pay they would ruin my credit. they were very disrespectful and forceful with trying to pry out information. this company also used a robo caller with a false local phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I made multiple reports and also phone recordings letting this company know to stop contacting me also followed up with a cease and desist letter they still continued to contact me through email and mail services and are basically not complying with my legal demand. Neither did they remove this negativity report from my credit file

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 2020-11-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
SunTrust decided to put a " hold '' on our account without any warning and, what's worse, no explanation. I had to go to three different branches before I was even told to contact a third party company called XX/XX/XXXX to find out why SunTrust had taken all of our money and refused to release it. I was treated like a criminal, laughed at, and hung up on by XXXX at the XXXX, FL branch, who I opened my account with. After waiting for more than 2 weeks for an explanation that would only be delivered by US mail by XX/XX/XXXX I was informed that an old account that was supposed to be closed had an auto payment go through without my knowledge ... and that this was why I had been unable to pay any of my bills or feed or diaper my XXXX and XXXX year old children. What's worse is that I have resolved the " issue '' and SunTrust STILL refuses to release my money to me. I called XXXX again today to tell him that the issue was resolved and that XX/XX/XXXXhad recieved the resolution from my former bank ... He treated me like dirt and informed me that " I would get a check eventually '' before he hung up on me AGAIN. This company is not just a bad business, they are morally and ethically corrupt and could care less about the impact that they have on people who live paycheck to paycheck. I have been to several branches and called their corporate customer service number just to be told, " we don't have any information, we'll have to send an email to our back office and wait for a reply. '' All this happened on my birthday, XX/XX/XXXX. Today is XX/XX/XXXX and despite all the time and effort I have personally put into resolving the non-issue, I have yet to get ANY correspondence from SunTrust ... much less access to my money.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX, email : XXXX ) have business buy device to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, have email : XXXX ) who have bank account in XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX they using domain email address almost same ) has send email XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to arrange the payment to : TRUIST Bank XXXX Texas XXXX. 

At XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX have transfer USD. XXXX to TRUIST Bank XXXX XXXX XXXX  with company name beneficiary bank as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info that they not receive any payment from us. And in this moment we realize that our email have been heck ( cyber crime ).

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 2019-12-05
Company: PNC Bank N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I ordered a bill-pay of an amount of {$530.00} in XX/XX/2019 for paying my XXXX house rent & utility. 

Bank of America deducted {$530.00} from my checking account on XXXX XX/XX/2019. 
Again, Bank of America deducted {$530.00} from my account on XXXX XX/XX/2019. 

I have contacted BOA several times ( 3/4 time ) over the phone. Every time, after talking with the bill pay team and account team, they acknowledge the issue and opened service ticket ( 3 times up to now ) to solve the problem. But every time, they close the case without refunding my money. 

My landlord confirmed to me by mobile massage that her bank did get a single payment for the bill pay order. She mentioned that the first time the check got rejected and got accepted the second time.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation