BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I owed a minimum payment of {$230.00} to capital one towards my credit card. I received an offer in an email to settle the account for {$270.00}, I call capital one to discuss my options, I called and asked if the debt was sold off and was told it wasnt, so I then asked if I made the minimum payment will I be able to use my card again, I was told I was so I went ahead and payed the minimum payment of {$230.00} to keep the account active instead of settling, and closing it for {$270.00}. After making the payment my card still showed restricted, I called the bank back to ask what happened and I was told that the information I was told was wrong and once the account is restricted it can not be unrestricted, so I paid the {$230.00} for a card I cant even use again and still owe a remaining balance. When I mentioned what I was told by the agent they investigated and determined the agent didnt do anything wrong, when I asked for a recording of the call I was denied. I then asked was it possible that someone higher up can take the restriction off or allow me to pay the difference between the {$230.00} I paid, and the {$270.00} settlement offer and both suggestions were declined. Now Im hoping I can receive help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: American Credit Acceptance, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had buy a car from XXXX at the end of XX/XX/XXXX. My car loan lender was American Credit Acceptance ( ACA ). I paid my car loan on time all the way up to XXXX of XXXX when my car loan was reassigned back to XXXX. I wasn't informed by any communication from ACA that this was happening. No phone call, email, mail, etc. I finally found out from XXXX  that my car loan was reassigned. Fast forward XX/XX/XXXX ACA removed off my credit report my car loan. This loan should had been reported as paid in full on my credit report. Instead they deleted it. I had called ACA shortly after this and struggling to get someone on the phone. I finally reached someone I asked as to why this loan was deleted off my credit report instead as being reported as a paid in full loan. I was told that there was nothing they could do to fix it and I was to dispute it with the credit bureaus. I proceeded to explain to them there's nothing to dispute because they deleted it off my credit report. ACA tells me that's not their problem. I asked do you have a credit dept I can speak to and I was told there's no one I can speak to and there was nothing they would do to help fix the situation. XXXX has been very helpful through out this and giving me supporting documents. to support this argument. XXXX XXXX XXXX has informed me that ACA is required to report my car loan as paid in full and that there required my federal law to report accurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Started financially struggling XX/XX/XXXX. I planned on borrowing the owed amount so I asked the foreclosure attorney for a reinstatement letter but never got them when valid. Difficult process. Then I asked if I had any other options. Sent me a loss Mitigation packet with no explanation or direction. Horrible experience. Finally got HUD involved in XX/XX/XXXX. Was approved for forebearance starting XX/XX/XXXX thru XX/XX/XXXX. Foreclosure process still moving forward while in forebearance until on or around XX/XX/XXXX when I emailed Cross Country, XXXX and the foreclosure attorney asking why we have court on XX/XX/XXXX. That is when I learned the XX/XX/XXXX court date was to request a sale date from the judge. No loss mitigation offered in the first forebearance entered into a second forebearance on XX/XX/XXXX thru XX/XX/XXXX. Received my partial claim packet today. XX/XX/XXXX. Owe $ XXXX ( no explanation or breakout provided- previously requested ) monthly mortgage payment went up roughly {$200.00} again no explanation provided. While in forebearance Cross Country reported delinquent to all XXXX credit bureaus. Asked it to be corrected as of today still showing in foreclosure and delinquent. 

XXXX. Dual tracking XXXX. Ok to report delinquent while in forebearance? 
XXXX. Never ( to my knowledge ) received or informed of the foreclosure process learned after the foreclosure attorney filed. No certified letter or call from Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

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 2023-04-13
Company: Experian Information Solutions 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:
All XXXX XXXX XXXX XXXX account are not meeting the FCRA requirements! There are multiple violations, and discrepancies ( INACCURACIES ) on my consumer report! 

Charge off accounts are 100 % illegal because it is considered income on the consumer report and according to the IRS are considered ORDINARY INCOME and a 1099C should be given. I have asked XXXX XXXX XXXX XXXX to provide me with a copy of the 1099C and I have not received anything! This means this is INACCURATELY REPORTING ON MY CREDIT REPORT, BECAUSE INCOME DOES NOT REPORT ON THE CONSUMER REPORT! 

According to 15 USC 1681eb MAXIMUM ACCURACY Of THE CONSUMER REPORT, my rights have been VIOLATED! 

According to 15 US Code 1681s-2 a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate! 
On the Experian website it even states income is not reported on the consumer report! 

Charge off accounts are considered dead accounts normally start reporting C/O after six months because it is considered a dead account these XXXX, XXXX XXXX  XXXX XXXX and is closed to future charges, but they are consistently increasing the amount of the original charged off amount, therefore THE REPORTED AMOUNT IS INACCURATE FROM THE ORIGINAL AMOUNT! Along with multiple discrepancies with the late payments reported on all three credit reporting agencies! 

I do not recognize how these accounts are reporting on my consumer report, I do not recognize the account numbers, the account statuses, I do not recognize the account high balances, I do not recognize the late payments associated and everything reported here does not meet the FCRA requirements! 

I have also reported EXPERIAN AND XXXX XXXX XXXX XXXX TO THE 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 2023-04-13
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some unauthorized inquires. 
YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Under 15 USC 181a ( 2 ) ( 1 ) under exclusions.

Protects information collected by consumer reporting agencies such as Credit bureaus, medical information companies and tenant screening services and 15 USC 168s2 which states a person shall not furnish any information relating to a consumer to any consumer reporti g sgency if the person knows or has reasonable cause to believe that the information is inaccurate, I feel my rights as a consumer have been violated. The information is incorrect and I would like for credit bureaus to delete the account from my credit report. 

XXXX Dispute Departmen XXXX XXXX XXXX XXXX Texas XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account number XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged insufficient fees

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 2023-03-19
Company: MoneyLion Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was stolen I called and tried to dispute the transactions and get a new card they denied all the transactions and I never received a new card, I received my income to this account also

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Opt-Out and Information Suppression I am in receipt of your letter dated XX/XX/, referencing my request to opt-out and for information suppression from all LexisNexis products ( See attached Supporting Document # 1 ). 

In your letter, you state that I have the option to have my information suppressed from all LexisNexis consumer-facing products, Accurint Contact and Locate Report, Accurint Comprehensive Report, XXXX Report, and my XXXX Report. 

This shall serve as my formal written request for LexisNexis to suppress all information pertaining to me and/or any of my identifiers from all LexisNexis products XXXX Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, Account # XXXX, has violated my rights by continuously reporting an inaccurate balance of this account, which has been paid off since 2019. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-03-19
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 status incorrect

Complaint:
XXXX and I have multiple student loans ( for him ) through XXXX. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted XXXX, XXXX, and the XXXX ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his FASFA did not go through-so XXXX took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, XXXX still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. XXXX denies this also. XXXX also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!

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 2023-03-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Please see this letter as an immediate request to reverse ( 2 ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report.

THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed. For your convenience, I have enclosed supporting documents verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation