BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current

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 2018-05-09
Company: EQUIFAX, INC.
State: MD
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 am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a US Bank Reliacard for my unemployment benefits. Its been fine up until last week, my card is suddenly blocked. After calling multiple times and being hanged up on, I was able to reach a rep who informed me that the card was blocked and I needed to verify my ID. I went to the provided link XXXX verify.usbank.com/id ) and submitted my info, but I have yet to get my card unlocked. 

Its been a week, all of my money is on the card. I can't pay rent, I cant get food to eat, I need to solve this already. I deeply regret trusting that I could use the Reliacard for my unemployment. Its been an unmitigated disaster, its so shameful being unable to pay for my items at the store when my card suddenly kept declining. Theres XXXX in my account, thats my money and US Bank has no right to just suddenly cut me off. 

I need my account unlocked. And as soon as I can, I'm removing the funds and having my unemployment deposited with any other bank account. This is atrocious, I've complained onXX/XX/XXXX, called dozens of times. I've submitted my forms of ID as requested, and everyone keeps placing the blame and tell me they'll contact me. 

Tell that to my landlord, who needs the rent. I am borrowing money just to eat - I shouldn't have to do this. This is ridiculous, its uncalled for and I need the money which is rightfully mine. US Bank has no right to withold my funds for no reason.

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 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Late payments from XXXX in XXXX and late payments from XX/XX/XXXX to to XX/XX/XXXX because of a natural disaster ( hurricane Ida ). lost of job in both instances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
on or about XX/XX/2019 I noticed a medical collections on my trans union report. This is an invalid debt, and I believe a person with a name similar may have a medical account, but I have never visited an urgent care, nor have I ever been without medical insurance. Im not sure if the HIPPA laws would even allow TransUnion to verify this debt prior to adding to my credit report, as they are required to under the FCRA. So im not even sure how Transunion came to adding this account but it isnt rightfully mine.

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 2022-07-06
Company: EQUIFAX, 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. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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 2020-07-23
Company: Strada Education Network, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX XXXX, 2020, I received an email from Student Connections on behalf of XXXX College. The email listed an incorrect address for XXXX XXXX. XXXX XXXX is part of XXXX and the email instead listed the address for correspondence to XXXX XXXX XXXX XXXX XXXX ( which is part of XXXX ). As such, I was provided with false and misleading information that, had I chose to incorrectly contact XXXX at that address, could have jeopardized the ability to correctly pay my loans.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-11
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 have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX 2. DPT EDXXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX 8. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on the sale of our home in XXXX TX on XX/XX/XXXX with XXXX XXXX ( phone # ( XXXX ) XXXX-XXXX XXXX XXXX. We were provided a pay-off amount of {$220000.00} by our mortgage company Freedom Mortgage ( phone # XXXX ). XXXX XXXX wired the money requested to Freedom Mortgage on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX received notification from Freedom Mortgage that there was an additional {$2300.00} due as Freedom had never deposited the {$220000.00} check that they had said was due at closing. I am being charged interest through XX/XX/XXXX as well as accrued interest, escrow advanced funds and additional fees. 

I believe that holding this money for almost a month and never contacting me or XXXX XXXX should be illegal as they are basically scamming everyone involved. Freedom had notified XXXX that the check had been deposited despite the fact that it was still sitting on someone's desk.

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 2022-07-06
Company: JPMORGAN CHASE & CO.
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:
Chase Auto is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, Chase Auto repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with Chase Auto to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to XXXX on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about Chase exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Security Credit Services, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Security Credit Services continues to report that my account is open and was opened in XX/XX/XXXX, making it look like this is a new account. It was from XXXX and was charged off then subsequently resolved a long time ago. I have disputed it numerous times and they refuse to update with accurate information and even if it was not resolved it will be too old to collect on in a few months anyway. To lenders it looks like a recent collection based on the information Security Credit Services provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19, I received a notification indicating that my account has a draft pending, which was not supposedly to be draft until the XXXX. Now when, I set this up I was with a Branch Manager who explained the policy and procedures on setting up an ACH. He stated that they will process my ACH 48 hours before the due date. Well low and behold the drafted my account on the XXXX of the month. Instead of my pay period and due date. Which was not explained to me that this was going to happen, unfortunately, Im out of the states with no cash because of this erroneous banking error. I immediately contact the online service to find out why was this been drafted so early.. To be told by the online manager XXXX XXXX that the branch manger XXXX XXXX gave me misleading information. That they drafts out of the account 7days early. I told the rep that I asked XXXX XXXX how does the ach works. He told me 48 hours for a electronic payment. I requested to speak to XXXX supervisor since he couldnt help me, considering the fact that he said it was set up for an ach but the system is reading it has a check draft which will cause them to draft early not electronic daft like my first draft and I was denied. So I contacted the self service banking again to see if I can speak with a different manager to help with this error to only be told that they cant help me and that I will have to wait until Monday to fix the issue. Now Im left with no funds out of state based upon the misleading information and banking error that was told to me by an higher pay rate personal. My concern is how is that a branch manager banking information differs from a calls center information. When they are working on the same platform banking policy and procedures. No compassion nor concern when I was assisted by one of their upper management member to set this up.

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 2022-07-06
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX credit card is through XXXX bank they sold to bank of XXXX when they did they charged my XXXX card over XXXX dollars since then my credit report has been negatively effect I call them they say yes we understand we are getting it resolved mean while my credit report is taken a dive do to me using more then XXXX percent of the XXXX dollar limit I call every day I want to sue them for this huge inconvenience it still shows I owe over XXXX instead the XXXX I do owe the false reporting has stopped me from buying a new car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXXwith no successful resolution.XX/XX/XXXXEquifax, and XX/XX/XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2022-07-06
Company: EQUIFAX, INC.
State: IN
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Resurgent Capital Services L.P.
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 have contacted LVNV Funding on several occasions requesting validity of the item bering reporting on my credit report. They have not been able to provide valid details or proof of whom the account belongs. As It does not belong to me. I was under age at the time the account was opened. I asked for signature of an application etc., and they have not been able to provide anything to me besides a copy of the credit card statement which does not show proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XXXX 2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
XXXX, Transunion, XXXX  never posted my 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