BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2021-11-28
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: FORD MOTOR CREDIT CO.
State: PA
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:
Ford Motor company lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my Ford Escape Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night Ford incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX Ford Motor credit Company took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! Ford continues to report inaccurate information to XXXX, XXXX XXXX XXXX. I have spent months disputing this with the credit bureaus & Ford has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need Ford to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was notified via text message that a wire payment of {$390.00} was attempted on my account and prompted a " YES or NO '' response which I replied " NO ''. In doing that, I received a call from what I thought was Wells Fargo and I only thought that because I have their Online Support number saved in my phone. The person that called me definitely did not work for Wells Fargo, which was unbeknownst to me at the time. The person made me think that he was handling the issue and then let me know of a {$9000.00} wire that was also being attempted on my account so what I thought was a process to prevent the wire from being released as well as close and secure my account was actually the person stealing from me. I noticed the {$9000.00} missing from my account first thing the next morning ( XX/XX/XXXX ) and called the same number that originally called me and when I explained the whole thing to an actual Wells Fargo fraud department member to ask about the missing {$9000.00}, they had no idea what I was talking about. That is when I knew I had been taken advantage of and stolen from. I properly filed the claim with WF and closed and secured my account. I was told it would take 9-10 business days to conduct the investigation and on that 10th business day ( XX/XX/XXXX ) I called and was told that they couldn't get the {$9000.00} back from the scammer 's beneficiary bank and that there was nothing they could do and that the loss was mine. The resolution letter that I also received on XX/XX/XXXX was dated XX/XX/XXXX saying the same thing. Which says to me that an investigation was not really conducted and that victims of scams do not really matter to them because this is all because I believed I was talking to an actual Wells Fargo employee because it was in fact, their ACTUAL online support number. I do not accept the result I was given and I am thoroughly disappointed in how their wire process is conducted as I was never once contacted by anyone to approve the wire as this was the first wire ever attempted on my account in my TEN YEARS of banking with them. Their negligence has costed me a tons of undue financial stress and {$9000.00} of my hard-earned money.

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 2020-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with XXXX, equifax and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
The company is reporting accounts on my credit report that do not belong to 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 2020-07-21
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.

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 2020-07-21
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I have gotten an absorb amount of credit hard inquiries within the past month I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX  I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX  or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX   or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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 these companies ; XXXX  XXXX XXXX, XXXX XXXX # XXXX and XXXX  # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2021-07-07
Company: MiraMed Revenue Group LLC
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 belongs to someone else

Complaint:
XX/XX/2021 I checked my credit report and it has been brought to my attention that Miramed Revenue Group , LLC has 2 negative remarks on my report of {$120.00} and {$120.00}. The total debt they are claiming that I owe them is {$250.00} ( see neg_remark.jpg ). On XX/XX/2021 I mailed Miramed Revenue Group , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Miramed_validation_letter.pdf ). I mailed Miramed Revenue Group , LLC the registered letter to its listed address on XXXX and from their main website and I have yet to receive a response. The registered letter was sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Miramed Revenue Group representative. It has been over 30 days and I have yet to receive any response from Miramed Revenue Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Debt Recovery Solutions, LLC
State: AL
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:
The company listed an account with the credit bureaus showing an open date of XX/XX/2020 and a collection balance of {$2200.00} I have not received any notification or communication with this company to inform me of who this debt is with or the option to dispute the validity of the debt. 

I have filed a dispute with the credit bureau however the collection company has " certified '' to the bureau that the debt is legitimate.

As of this date, I still have not received anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
My mortgage company PHH, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for  the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. 
PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
ihave asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX XXXX. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-21
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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ally financial is a company I have a car loan with, the company have reported 2 late payment on my credit report. Which is not correct I have paid ahead something 3 times before the bill is due. the company stated in XX/XX/2020 I was late, incorrect. I called the company and was told it would take them 45days to change the credit reporting status. I don't agree it only took them a day to change my credit score and credit profile.

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 2020-05-03
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with Barclays Bank, it was opened in XXXX of XXXX. The account has been delinquent since XXXX. I had attempted to call multiple times within the past couple of years in an attempt to settle this account. During the times I was able to get in touch with a representative, I was either told I would be given a call back about a settlement ( which I never did ), or they said that they no longer had my account ( this is what I was told when I called in XXXX of XXXX, which was also not true ). In XXXX of XXXX, I contacted Barclays again in an attempt to reach a settlement, once again, because my boyfriend and I were pre-approved for a mortgage loan, and our lender said that I needed to settle the account in order to be fully approved for the mortgage loan. Barclays agreed that, out of the total that I owed them ( {$2200.00} ), I could settle with them by paying {$990.00}. I was to make three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to send payment in form of a check to an address they gave me. All three payments were sent in, and all three checks were processed by their bank. On XX/XX/XXXX, I noticed that I hadn't received any letter stating that the account was officially settled, nor did I see an update on my credit report. I called Barclays that same day, and a customer service representative told me that they never received my XXXX payment, and so my account is still charged off. I told this representative that this is not accurate, that the check was cashed and endorsed by Barclays. The representative asked if I was okay with him calling my bank ( XXXX XXXX XXXX ) on 3-way so they could confirm that I did, in fact, submit payment. A customer service agent with XXXX  XXXX XXXX confirmed that all three checks were processed, cleared, and endorsed by Barclays Bank. After this was confirmed, the customer service representative was still saying that they could not confirm that I had made this payment. He then transferred me to a supervisor who tried to search for the payment and could not find it. At this point, she said they would open a case in an attempt to locate the payment. She said it would take 25 days to complete this request. Then, when I called back a few weeks later, I was then told it would take 45 days to investigate. I am supposed to have my credit ran again by my lender in XXXX in order to get full approval for my mortgage and to close on my home. I can not understand how all of the checks cleared on my end, and were endorsed and made payable to Barclays Bank, and they received my first two payments, but somehow did not receive the third payment. I have also sent them copies of the checks that were mailed to them, including their endorsement on the back side of each check.

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 2022-11-02
Company: EQUIFAX, 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:
As a result of the XXXX Equifax data breach I am a victim of identity theft. I have included the identity theft report for documentation. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have spent a great deal of time writing Equifax from XXXX - XXXX in relation to the data breach. Equifax has reported multiple inaccuracies in my credit file with regard to this alleged bankruptcy tradeline. I have located the inaccuracies on my credit report and have circled them in red ink to highlight the incorrect information. I am entitled to an accurate credit report under the Fair Credit Reporting Act. I have contacted consumer protection financial bureau, the FTC, the New York State Attorney Generals office, Equifax, attorneys for consumer reporting, credit repair servicing companies, and Ive paid a small fortune fighting against this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : 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 response to consumer: Closed with non-monetary relief