BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts 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

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 2022-06-14
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$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 2021-01-26
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was on a 180 days forbearance period. After that I could start making payment to the bank. However I could not do the regular payment so the bank offered me a flex loan modification. They extended from 30 to 40 days the loan adding the part of the loan I could not pay to back of the loan They send me all the document and as only requirement was to go thru a trial period of 3 month making regular payment for the new amount of the loan starting on XXXX to XXXX. Which I did with no problem. 

To my surprise my flex loan modification was denied due to an error in their system. I called the bank On XX/XX/XXXX and i spoke to a customer relationship manager and he said no worries about it due to this error on the end they will fixed due to I have done and completed all the requirements. I have called the bank several times since alll this started to follow up Since XX/XX/XXXX I have been calling to the bank until XX/XX/XXXX they always said they are going to fix it, they had escalated the issue to their superiors and someone will call me with an updated nothing has been done. I have all the call documented and the names of the persons I spoke with. Already pass more than a moth to fix something in their system. 

Meanwhile the bank is calling me all the time to collect and they said they will proceed to foreclosure if I dont pay what I owned. The bank on The first week of XXXX reported me to the credit bureaus as delinquent. My credit score from XXXX drops to XXXX. I have credit card with cero balance where they have reduce my credit line due to a mayor delinquent report on my credit report. 

I feel frustrated, this is my home where I live with my family. We have done everything to fix this and we continue making payments as the flex modification loan contract said. 


Is this legal during the cares act????? What are my right???? 

Please help!!!!

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 2022-06-14
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: Investigation took more than 30 days

Complaint:
The credit bureaus have not been doing their part of the job, I have been waiting for a response from them for months for some letters that I have sent and they do not respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2020-10-31
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to Hyundai. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from Hyundai. 

Hyundai ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand Hyundai is a South Korean company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNAUTHORIZED INQUIRIES DISPUTED MULTIPLE TIMES, NOT CORRECTED AFTER THEREE MONTHS : 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 2018-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, Equifax, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX , Equifax , XXXX with no updates yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not my accoun, identitify theft victim. Stolen card an phone. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: HOVG, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$580.00} XXXX XX/XX/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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have a right to privacy.. 
15 U.S.C 1681 604 A Sec 2 : Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1861c ( A ) ( 5 ) : 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 1861Z-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2018-02-09
Company: Bridgecrest Acceptance Corporation
State: AZ
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: Investigation took more than 30 days

Complaint:
I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.

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 2023-01-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX XXXX children have checking accounts, with debit cards, with Chase. Recently, my checking account was closed with a negative balance. After I was released from the hospital, I reached out to ask if the funds in the XXXX XXXX accounts would be used to resolve the balance in my closed account. I was told no. 

For the last week or so, we have tried, unsuccessfully, to access their money. We tried to withdraw it within the transaction limits from an ATM and have even walked into branches to withdraw or close the account with no success at all. These funds are my daughters ' XXXX and XXXX XXXX money. It is getting extremely frustrating that no one seems to know to release these funds to us so my children can have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan matured XX/XX/2023. It took First Citizens bank 6 months to complete the modification. During this time I continued to make monthly payments. First Citizens failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 First Citizens Bank still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that First Citizens took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from First Citizens stating that their records were accurate and no correction would be made. It was of no fault of mine that it took First Citizens 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On behalf of Wells Fargo Bank cases, my husband and I had our house in foreclosure on XXXX  and we lost it cause they didn't gave us options. 

Also I had a scam that they charge me the amount of XXXX and froze my husband account because of 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 2018-10-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I pulled my Equifax report # XXXX and there is missing account numbers for XXXX XXXX & XXXX. There is a trunification issue with XXXX XXXX XXXX, XXXX XXXX.regulations. For one, THE ACCOUNTS LISTED lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent out a letter disputing incorrect information to XXXX and Experian on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.

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