BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All of the above. 
XXXX and experian continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which  claims its about " fairness ''. Theres nothing FAIR about it.

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 2022-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2017-07-06
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and Chase has  reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I sent a letter to the credit bureaus requesting that the information regarding the charge-off balance be REMOVED along with the monthly reporting. Also the debt is past the " statue of Limitations '' for credit reporting. Nothing has been done nor have they responded to my request. They are in violation of my rights to fair reporting ( fcra ).

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 2022-04-28
Company: Exeter Finance Corp.
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 Fair act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account un open end consumer credit plan As late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the second time Capital One has changed my password. Have been hung up on twice and ca n't access my account on line. I 'm tired of dealing with these incompetent people. Since I ca n't access my account I have to call. I get a message saying the office is closed at XXXX XXXX. I wish to close all my accounts but find no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Bank of America XXXX XXXX Signature Visa card making my first charge on XXXX/XXXX/XXXX at which time I was awarded a credit line of {$17000.00} and immediately charged a {$75.00} annual fee. Very shortly after my first account statement dated XXXX/XXXX/XXXX and prior to my very first payment due date of XXXX/XXXX/XXXX the bank without any warning whatsoever and without me ever having a late payment and without me ever going over my stated credit limit at any point the bank suddenly closed my account without my permission on XXXX/XXXX/XXXX. This not only results in the bank pocketing " effectively stealing '' my {$75.00} annual fee it will show them as churning accounts and greatly scar my credit as it will show an account that was just recently opened by me as being closed against my will, which will also greatly impact my credit score going forward. This is inexcusable as this account is and always has been in good standing as I make all my payments on time and have never gone over the credit limits stated on this account. Not only that all information used to open this account was 100 % true and factual so Bank of America has no right whatsoever to have done this to me. I expected this card to be a long-term useful rewards card as it carries with significant advertised mileage benefits for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )

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 2017-07-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: AFNI INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Security National Automotive Acceptance
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: NRA Group, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NATL RECOVERY XXXX is being reported to all 3 major credit bureaus. This acount is fraudulent and wasnt openend nor utilized by me. Please note an attached Federa Trade Comission report and remove this from my credit.

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 2021-06-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and XXXX XXXX continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. XXXX XXXX has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with Experian and it is still being reported by Experian and has caused my credit rating to increase then decrease each time XXXX XXXX updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that XXXX XXXX is continuing to make entries on my credit report maliciously. I also feel that Experian has not researched the debt correctly and has continuously allowed XXXX XXXX to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.

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 2020-04-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check for {$370.00} on XX/XX/20 and I have been calling bluebird every single day for the post 20 days. Not once have I spoke with anyone. I contacted the bank bluebird is accossiated with and the just two me to call the number I have. I XXXX emails n other phone numbers that could possibly be a link to bluebird and I got ahold of the checking Dept that send s checks out for bluebird accounts. This was the closest to making progress than I have in the last 3 weeks. Unfortunately this Dept knew aboutsolutly nothing. I actually felt uncomfortable with knowing people with no skills, education and training is affiliated with my banking. Let me put it this was with describing how the conversation, I have had better conversation s with a rock. I am a single mom that had lost her job, I can't put food on the table everyday, im losing my house and I need every XXXX I have to provide for my XXXX yr old son. Please help me. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-10-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX due to my 100 % XXXX VA rating in XXXX and XXXX of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX due to my 100 % XXXX VA rating in XXXX and XXXX of 2020

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 2017-07-06
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Bank has my current balance owed as {$290.00} and the balance owed is actually owed is {$170.00}. I closed the account because they kept charging fraudulent fees to the account. My credit line was {$300.00}. When I closed the account my balance was was {$170.00}. I told Capital One Bank I would not pay on the account until they corrected balance owed to {$170.00}. I want an investigation into this Corrupt Business and I want my Balance corrected to show that I owe only {$170.00}. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The date is showing XX/XX/2021. The amount is for XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I don't understand why they charged me XXXX for an ambulance ride that I didn't call myself so I feel like I should not be charged without having that option and to go only 5 miles is my biggest concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview loan servicing has force placed a XXXX policy even though I already have XXXX. I've been on the phone with them three times for over a hour. I've even patched my insurance broker in on one call to have them email the insurance docs directly to them. This doesn't seem to ever get resolved. I originally had a escrow account but had to file multiple complaints to get it removed as they were paying my taxes in XXXX. So I have been paying my own taxes and insurance diligently yet this mortgage company keeps harassing me with frivolous charges due to force placed insurance policy which I already have.

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 2017-09-28
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:
I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.

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