BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-06-08
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my home and financed it with XXXX Bank in XXXX. The loan is serviced by XXXX at this time. In XXXX I took advantage of a government sponsored mortgage payment deferral program offered due to XXXX related loss of income. The program allowed us to defer three months of payments without penalty or interest due to my wife losing a part time job related to XXXX. I recently applied for a home equity line of credit with XXXX Bank and have been turned down due to the loan deferral. The response I received is that " We can not proceed with a mortgage that has been modified ( due to deferment ) and we are unable to payoff any liens that are at no interest. '' This was a special Covid program that was promoted as helping the consumers. I believe I am being unfairly discriminated against because I took part in a deferment program that was meant to offer relief to those suffering Covid related loss of income. I would have never taken part in this program if I knew that it would prevent me from ever utilizing the equity in my home.

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 2017-07-10
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
until this day, I have not received a response from the company what the debt is regarding. The company is now in violation of fcra. They have caused financial injury and are not following approporitate guidelines.The company can follow back with the cfbp, however, if they can not respond to the customer directly, they are send account back to the original creditor. This debt collector exacaerbates the matter on a daily basis. This is also a government  XXXX  and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a credit card with Bank of America. I made an on-line payment to Bank of America for the XXXX payment in the amount of {$55.00}. This was made on XX/XX/2023, which they did deduct from my bank account. They then deducted a second, unauthorized payment of {$55.00} on XX/XX/2023. I had no idea they were going to deduct this second payment, and this was not authorized by me.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Transunion.

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 2022-12-27
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 explanation
Consumer complaint received 2022-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up for Chase Southwest Rapid Rewards credit card on XX/XX/XXXX. Inquired about the statement closing date and was told it would close 1 month after opening on XX/XX/XXXX and at that time any points that I accrued during the statement period would be sent to my SW Rapid Rewards account upon statement closing. 

Due to customer service misinformation, the statement closed in XXXX and the points were sent to my Rapid Rewards account in XXXX, effectively not counting towards my XXXX points accrual. I called in and was told the points with be revoked and re-issued so they would count towards my XXXX points accrual. Again, I was misinformed as this did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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 submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: UT
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:
Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! Attachments with this complaint ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute with Experian and in turn Experian would contact them and then they would let Experian know they are reporting correctly and Experian is the one who is making the mistake. Experian has never contacted them per many phone calls and emails with my creditor!!! Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! THEY HAVE ALREADY REMOVED THESE 2 ITEMS FROM MY WIFE 'S CREDIT REPORT FOR THE SAME DISPUTE REASON WITH THE CFPB AND THEY ARE JOINT ACCOUNTS WITH THE AUTO LENDER!

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 2017-07-27
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: Information belongs to someone else

Complaint:
TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. TransUnion is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. TransUnion keeps stating that they verified that these accounts are mine. How could they when the XXXXXXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XXXX XXXX, XXXX? These accounts have appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH XXXX XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXXXXXX XXXX # XXXX These are not my accounts. I did not authorize these account to be on 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 2023-03-14
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXXXXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have three Capitol One Credit cards. 2 personal and 1 business. I try and pay my cards off in full every month but with the holidays it took an extra cycle. I paid off the two personal cards. 

XX/XX/2020 tI paid my credit card off in full {$360.00} and on the XXXX of XXXX, I was charged interest on purchases made of {$6.00}. I just got off the phone with the supervisor and she told me that I am charged interest on purchases until the end of the billing cycle. Even though I paid my credit card balance in full on the XXXX my billing cycle does not end until the XXXX for those 4 days I was charged as if there was still a balance due. 

My business account I paid in full on the XXXX of XXXX {$930.00} and on the XXXX I was hit with an interest charge on purchases for {$20.00} I asked the supervisor how this is legal. I thought when you paid in full, your statement closes on that day. XX/XX/XXXX my balance on all three cards were paid in, full. That should have closed the statements. She said not with Capitol One. She then said its on your statement. I said I don't get statements I do online banking. She said well you can go to your statements online and see. I told her that viewing statements online is impossible this is a complaint I have made prior and as of today this is still not fixed. She said " well when you get your statement you will see on the far left bottom Capitol Ones policies for interest accrued. Again I asked how is it legal to charge someone 4 days after they paid in full the balance?? I said if all interest in accrued daily then on the XXXX I paid the interest up to that day It should not matter that the statement billing cycle had another 4 days to go I paid that should have stopped all charges. 

This again is not how Capitol One works. This cant be right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from American Coradius International LLC, informing me that my XXXX account was placed with their office for collection in the amount of {$440.00}. A payment plan was set up over the phone for scheduled monthly payments of {$64.00} beginning XX/XX/XXXX. These scheduled payments continued until XX/XX/XXXX. 
I place a phone call on XX/XX/XXXX to verify if amount has been paid, and if there will be a refund offered for the over-paid balance. They responded and said, " They longer had access to the account, it was sent back to XXXX XXXX and they have no record of sent payments. I still owed {$440.00}. '' To confirm this, I called XXXX to verify sent payments and the unpaid amount on the closed account, they said they haven't received any payment and I still owed them {$200.00}. Upon learning this information, I reached back out to American Coradius International LLC, they responded, " the account did not exist ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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