BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I write to demand that US Bank investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close EX PARTE investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that US Bank was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about US Bank reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, US Bank summarily closed my second complaint EX PARTE to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, US Bank mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as OPEN on XX/XX/2023. The truth matters!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Both Experian and XXXX are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and XXXX also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called XXXX  to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my credit cards use XXXX for the FICO score with the statement : The score was based on XXXX data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late.

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 2022-10-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX  # 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 an account without my written instructions. 


I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/19 I tried to retrieve dispute results and view my credit report on Equifax 's website to find out that Equifax has blocked me all access to my dispute status and my current credit report from its website. Prior to me filling a complaint with the CFPB everything worked totally fine. 

I filed a complaint with the CFPB on XX/XX/19 because Equifax refused to address fraudulent data on my credit report. Equifax has constantly ignored my request to remove inaccurate information and now has punished me to be able to view my information real time because I filed a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
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:
Both XXXX  and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called Transunion to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my  credit cards use Transunion for the FICO score with the statement : The score was based on Transunion data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX  is the only agency who shows my correct credit record ... never late.

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 2023-10-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX I purchased an American Express Pre-Paid Gift Card at a XXXX XXXX XXXX in the amount of {$150.00}. I attempted to make an online purchase with XXXX, and the purchase was declined. I then attempted to make another online purchase for the same Item with XXXX XXXX, and that purchase was decline. I then again attempted to use the American Express Pre-Paid Gift Card at XXXX again, and again that purchase was declined. 
I checked my balance online with American Express ( amexgiftcard.com/balance ) and it shows the card is active for {$150.00}, and with 3 pending purchases, but the card was declined. American Express is not releasing the money, but charged me {$.00} per each pending purchase. 
I have made purchases with One XXXX XXXX XXXX XXXX ( visa ) with no problem. 
I called American Express customer service support ( XXXX ), after going through a barrage of automated puzzle, I was able to talk with a real person. I was told I had to use the card in person or try another merchant. I dont want to use the card in person, I purchased the card for online use. I did try another merchant with the same, negative results. They told me to wait 24 hr before using the card again, I did that with the same negative results. I called customer service again and got the same response. Customer service was no help. 
So now, I am stuck with a {$150.00} American Express Gift Card that I can not use. This is either a scam or false advertisement. Its frustrating and stressful. 
I JUST WANT MY {$150.00} REFUNDED TO ME, SO I CAN PURCHASE A GIFT CARD I CAN USE!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 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

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 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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 no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary XXXX XXXX Experian XX/XX/XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-28
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:
There are exactly 20 hard inquiries showing up on my TransUnion report that are not mine..I have have disputed these inquiries through the mail and never received a response..my personal information has been compromised and someone has been trying to obtain credit in my name like crazy!! These are the inquiries I need removed.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX   XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX ... also my personal information is wrong even though I've contacted TransUnion numerous times in regards to my name and address..the address they have for me isn't even a address and my name is literally turnt around backwards..they have my address as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..my correct address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..and they have my second address which is my XXXX XXXX as this..XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..the correct address is XXXX XXXX XXXX XXXX XXXX FL XXXX.. then there's the spelling of my name..they have XXXX, XXXX, XXXX..my name is 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 2020-12-03
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting back in XXXX I have been receiving calls from Midland Credit looking for someone named XXXX XXXX. I do not know this person, nor do I know anything about the supposed debt they owe but I have asked twice now for Midland Credit to remove me from their contact list as I'm not the person they're looking for ( most recently I asked them to remove me today XX/XX/2020 ) and they are still calling me multiple times a week. Usually they call and when I answer they immediately hang up. I call back, most of the time I get a recording that states the number is not in service. The phone number I was able to call back that worked was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 with antedates the report by more than seven years.

15 U.S.C 168s-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 explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had to move from XXXX because the apartment made me ill. I was told I was let out of my lease but now they have a bill on my credit 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 2023-02-09
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation