BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MD
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. 
Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
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 had 2 credit cards accounts with XXXX XXXX. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted XXXX  XXXX, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted XXXX XXXX 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through Experian 3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at XXXX XXXX, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely zero sense, and when I call in the reps are very apologetic but they have said I need to write to them again.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested info on the opening on account and the applying of application

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have gotten several letters from credit cards companies 2 Bank of America, XXXX XXXX  and 7 other credit card inquiries that are fraudulent. I contacted both Bank of America and XXXX XXXX  immediately. I now noticing that Bank of America is on my credit report and that I have over 9 inquiries on my name. I was told to contact the federal trade commission. 

Thank you 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 2023-01-05
Company: American Credit Acceptance, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX Installment Sales Contract was executed form American Credit Acceptance LLC for XXXX i have made XXXX payments of XXXX totaling to XXXX and a down payment of XXXX I looking over my contract I realized the contract was fraud and i am over paying on a used truck and they were in violation of 15 USC 1601 truth and lending incorrect disclosures 15 USC 1605 Determination of finance charge I was not required to put down a deposit which I did XXXX as 15 USC 1635 I was never informed my right to Rescission and that's just some of the violation I have sent certified letters to American credit Acceptance CEO and AlsXXXX XXXX XXXX XXXX informing them of these violations and laws that they have broken and I have not gotten a responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: MA
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:
The collection by XXXX XXXX XXXX is settled, paid off and closed but unfortunately still showing some money owed on Equifax reporting ONLY, which is not correct. Could it be a retaliatory move? Because, weeks prior to settlement I closed my Equifax credit monitoring account because of the monthly fee, other reporting agencies updated theirs and XXXX XXXX XXXX said its been reported as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Capital one XX/XX/XXXX Cap1/Neiman MRCUS XX/XX/XXXX Please block and remove them from my report i have tried everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today XX/XX/2023, I called the bank to report a " billing error '' under the transferc act that allows me to give the instruction to the bank by phone, written or in person, specifically to open a merchan dispute. 
Trough the customer service, the denied me the right to open the claim saying the system cant send me a text message ( when I always receive from the app ) and also couldnt generate the " veryfication questions '' due the " system ''. They have many options, they asked me my bithday, my phone, address. They didnt proceed with the instruction and also told me that they cant give me an address or fax to open the dispute. Just go to the branch, something is not possible because im not XXXX resident and right now im not in the XXXX. 
So im giving trough here the instruction to open the merchant dispute for these transactions made with my debit card Master ending in XXXX : XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ XXXX  {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX I made those 4 purchases on the store, but they didnt have on stock the smartphones to give it to me at that moment, so they will send it trough XXXX to my home, and must be received on XX/XX/. The order never arrived, and I tried to call them many times to ask about this issue, request the tracking number or have a refund. I cant go to the store in persone because im not on that city any more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NE
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, and XXXX XXXXas 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 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2022-02-06
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/XXXX of XXXX I went to XXXX XXXX XXXX XXXX located in XXXX, Georgia due to a XXXX  accident that happened on XX/XX/XXXX of XXXX. When I attempted to give them my health insurance they would not take it due to the fact I was in a XXXX  accident, instead they gave my pamphlets on " how to cope after a XXXX accident ''. On XX/XX/XXXX of XXXX I contacted a lawyer ( XXXX XXXX XXXX ) so they could create a case on this issue and I gave them the information to XXXX XXXX XXXX. Instead of XXXX acknowledging this and speaking with my lawyer, they constantly harassed me about my medical bill I had with them while I was still receiving treatment for my injuries. I also requested for them to speak about this issue of my medical bill to my lawyer which they did not instead they continued to harass me. On XX/XX/XXXX of XXXX I received a letter from Medical Revenue Service stating that I owed a debt to XXXX XXXX XXXX XXXX, where I only have until XX/XX/XXXX to respond. I feel like this needs to be investigated since I am still in the process of closing my case from my XXXX accident and they will not reach out to my lawyer both XXXX XXXX XXXX XXXX and Medical Revenue Service continue to harass 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 2021-03-29
Company: DISCOVER BANK
State: NY
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:
Discover on XX/XX/2021 drafted out of my checking account for a payment of {$100.00} this wasn't authorized by me. After with my bank paid the item but charged me {$35.00} overdrafted fee and now my account is negative. Talked to rep on XX/XX/2021 at Discover and after review stated it was their error and I should call the bank and explain. Also stating that Discover will send a check to me for the amount of {$100.00} for the error. Now not only was this not authorized but I made a payment of {$500.00} just prior to the XX/XX/XXXX. This is a great inconvience to me and can't use my bank account now because if I deposit money it will go towards the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX 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 2022-02-06
Company: Experian Information Solutions Inc.
State: NC
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:
I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. Experian is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and XXXX. XXXX XXXX is being reported inaccurately on all three ( Experian reporting a late payment in XXXX while XXXX and XXXX are one late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is one payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as 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 2022-12-23
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : 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 2022-03-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On approx. Tuesday the XXXX of XX/XX/2022 while relocating me and my daughter from XXXX XXXX XXXX XXXX with a move to our new home I called Wells Fargo to make sure that the {$250.00} dollars in my account were cleared funds left over based on my debit card usage for the move. Wells Fargo started yes if I use them my account will not have any type of negative funds in my account as in no I would not have an overdrawn account. 9 YOU CAN REQUEST THE CALL FROM WELLS FARGO CONCERNING ME ASKING THIS VERY QUESTON AND THE WELLS FARGO REP STATING THERE WOULD BE NO OVERDRAWN ISSUES WITH ME USING THIS AMOUNT OF {$250.00}. I asked the Wells Fargo Customer Service Rep several times to check all charges on my account before I use the funds for gas and hotel fees me and my daughter needed for the relocation move which we were in the process of from XXXX XXXX XXXX. After the Wells Fargo rep verfied and confirmed my checking account was in good standing and no overage would occur if used the funds for the trip fees in hotel and gas to get us to XXXX  I then proceeded to use the funds for our trip. The next day my checking accout began overdrafting and Wells Fargo through their deception caused my checking account to have fees of $ XXXX as of me filing this complaint. Wells Fargo then attempted to coerce me into signing up for overdraft protection, I did not do so because its a trap to run up even more fees that I can not afford since I get SSI at {$840.00} a month. Wells Fargo, due to its false information. is trying to collect {$310.00} from me based on their success at making me believe I had money in my account that was not there. I should not have to pay any of these fees based on false information given to me by Wells Fargo concerning my checking account. They do this to make money off of account holders.They act as if items have cleared and we as consumers see them as cleared on our accounts and in my case even had a Wells Fargo rep VERIFY THEY ARE AVAILABLE AND NO PENDING CHARGES FROM OVERDRAWN WILL OCCUR. Then Wells Fargo puts the same items back on the account which then overdrafts the account causing undue charges. You can see the text messages I received from Well Fargo account information concerning the {$250.00} available, then the overdrawn charges added later.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have been trying to apply for a loan modification or any help that they could offer me, but PHH dosent want to offer any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation