BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MD
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:
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 be investigate and corrected for erroneous reporting in my file 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 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 2020-11-29
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AES/PHEAA
State: IL
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:
I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX reported an inquiry on my credit report by Citizens One Bank on XX/XX/2021. 

On XX/XX/2021, XXXX notified me that I had purchased 2 XXXX units and charged my Cizens One Bank credit card for those purchases totaling almost {$1000.00}. 

I called XXXX and they canceled the orders. 

I called Citizens One Bank and the fraud department said they opened a fraud case # XXXX and gave me the fraud department phone number XXXX. I've called them 4 times, and it says to leave a message, but no one calls back. 

I received an email from Citizens One Bank welcoming me to my Mastercard account # XXXX, and asked me to set up my account, which I didn't. 

I reported this fraud to XXXX and they put an alert on the 3 credit reporting sites. 

The address they noted was my previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. 
According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. 
Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. 

Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. 

I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. 

Down below you will find a copy of all documents

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 XX/XX/2023. Capital XXXX bank pulled my credit report without my concern and knowledge.Same issue happens on XX/XX/2023. These XXXX inquiries by XXXX was done without my knowledge.The credit inquiry listed below is unauthorized and I have attempted multiple times to contact this company directly to have them remove them and havent received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

TransUnion has reported the following : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX XXXX XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : 30 DAYS LATE XXXX  XXXX : 30 DAYS LATE XXXX : XXXX XXXX  : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING

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 2023-08-21
Company: Bright Capital Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
on XX/XX/XXXX XXXX was taken out of my chase account by Bright capital llc which when i signed up for XX/XX/XXXX stated it was only XXXX a month ive emailed Bright capital llc XXXX and also called to request an refund and all i get is an acknowledgement email and when i call all agents are always busy... i just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto Finance is not updated my account with the 3 Credit  Bureaus since XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment has not been updated as paid and current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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, 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 a 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 XXXX 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 2019-02-14
Company: Experian Information Solutions 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:
I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.

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 2018-03-25
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our XX/XX/2017County Taxes have not been paid. We have never been late on our mortgage payment. This has never been a problem until Flagstar Bank took over our mortgage in XX/XX/2017. I have forwarded the delinquent notices 3 times and have been told each time that the bill will be paid. We just received another notice saying that they still have not been paid and that the home will go up for sale if the taxes are not received.

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 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I lost my card at the end of XXXX around XX/XX/XXXX. I noticed charges on the account and called Bank of America about the issues, they issued me a credit of the missing amount. I ordered a new card but never received it. after which i noticed strange activity on my account after they disconnected my card from my digital wallet.I called to connect my card back and they informed me that Bank of America has decided to close my account. because of this i decide to look into my account and see that it is negative XXXX dollars from a returned check that was submitted into an atm on XX/XX/XXXX WHEN I HAD NO CARD IN POSSESION BECAUSE IT WAS STOLEN. Since then i have put in a request for the release of the direct deposit funds of XXXX that went into a closed account. They then later declined the claim stating that i have used the atm that was used when my card was stolen. i tried to file an appeal and was transferred to another department which didnt answer and i was hung up on. now the have charged my direct deposit funds and all of my money is gone.

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 2019-02-14
Company: EQUIFAX, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Equifax has not updated my auto account in 4 months with XXXX XXXX bank as current and paid on time XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I deposited a check from my attorney 's trust account for {$6000.00} for an emergency partial insurance settlement because of my dire financial circumstances. 

See attached check stub and deposit receipt. 

I was told and receipt confirms that funds would be available on XX/XX/2021. 

However, I was notified by text ( see attached ) that those funds would be put on hold until XX/XX/2021. The reason given that the check " would likely be returned ''. 

This claim is baseless. It slander my attorney as well as my character without grounds. The check was from a legal trust account used by attorneys to hold settlement monies until all parties are given their fair disbursements. In addition, I have no history of depositing checks that have been returned.

According to the CFPB rules : 1 ) Regardless of the kind of check, the first {$200.00} is to be made available to the consumer on the next business day.

2 ) {$5000.00} of the check must be released within 5 business days.

Bank of America is breaking both of these laws by not releasing {$200.00} on the next business day despite my extreme need for the money for medications, food & physician co-pay as well as a credit card payment that will be late. Taken together, by withholding {$200.00} of a check from a reputable source, Bank of America is damaging my health, well-being and credit rating. 

Also by holding the first {$5000.00} of the deposit for longer than 5 business days, they are not only in violation of CFPB regulations, they are preventing me from being able to pay my rent for XXXX by the XXXX which will result in my owing an additional late fee. My phone service will also be disconnected. 

I am XXXX, have multiple health issues including XXXX  XXXX and XXXX XXXX  in addition to major XXXX XXXX. I will not have medications for these illnesses nor will I have proper nutrition as a result of Bank of America not following CFPB regulations, let alone common decency in treatment of a person they are aware of hurting by their actions or inactions.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2021-04-12
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 my check was deposited into a closed account the irs is stating they never got the money back this is my second time filing the same complaint with this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: MN
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:
In XXXX I paid off the remaining balance of a student loan serviced by XXXX XXXX/XXXX XXXX . Following the pay off, the lender incorrectly reported the account as closed due to a charge off. This of course triggered a massive drop in my credit score and alerts from all the agencies. I disputed it and then contacted the lender to sort it out. XXXX did an internal investigation and review and determined that they had made a mistake and this was their fault and they would inform the credit agencies of the mistake and to strike the charge off from my record, they sent me a letter to this effect. 

I submitted the dispute to all the agencies ( thus far only XXXX has updated and removed it ). XXXX has not completed the dispute yet. Experian has refused to change my report. I have filed, and had rejected, 7 disputes so far on this item with Experian. I've provided the letter from the creditor, and the creditor ( XXXX ) has stated to them several times that this was a mistake. Experian continues to refuse to accept the change and denies all of my disputes.

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 2023-02-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did a credit report and it showed that I have a balance of American Express, which I never received correspondence regarding any balance or ever knowing that the account was open.

Company response to consumer: Closed with explanation