BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury. 
Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. XXXX XXXX ) A copy of XXXX XXXX XXXX  denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. XXXX ) A copy of the Judge and XXXX verdict sheet showing the judgement and its favor ( pgs. XXXX XXXX ) A copy of the comments from XXXX XXXXXXXX XXXX XXXX showing the judgment as contract rescinded ( pg. XXXX, verification can be obtained through XXXX XXXX XXXX Case No : 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 2023-08-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profiremovalle. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from Bank of America dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with BofA, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX XXXX speratley.

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 2023-07-22
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2022-07-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the XXXX XXXX when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Dates associated with Item being disputed : XX/XX/2023 by Experian

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 2022-09-25
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a personal loan of {$3000.00} from Lendmark Financial on XX/XX/2020, I made payments on time for the most part or within the month, yet they still charge me a late fee, thats fine but they charge me interest as well, for a while the balance wasnt even going down, they keep harassing me by calling me the day after my due date to pay them if I dont pay them, they even call all of my emergency contacts. I also made a large payment and the balance significantly decreased, I made the mistake of missing some payments but resumed quickly. Then I noticed I was paying my loan for about 6 months and my balance wasnt going down. When I noticed they were charging me so much and my balance wasnt going down I asked them for a breakdown of the interest. They didnt want to give it to me in paper, when I called them they didnt answer me or get back to me, about a month later they called and told me over the phone that I owed like $ XXXX In interest for not paying for some months and all my payments were going to interest and not principal. Ive kept making payments and it seems like theyre still doing whatever theyve been doing because my balance barely goes down. I am just very confused with this loan, Ive never had this happen to me and I believe I am a victim of predatory lending. I cant seem to get below {$1300.00} now, I dont want to continue making payments because I feel I already paid this loan off a long time ago and theyre playing around with the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Comerica
State: MO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I get XXXX and I needed a replacement card. They sent 1 and tried to activate it and says, the numbers on care are invalid. I've called even at XXXX XXXX  and they keep saying call back, heavy call volume. They have always answered but now nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
XXXX XXXX violated these rights by reporting the account to be late and closing the account without my knowledge. XXXX XXXX is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them XXXX of their own settlement terms. See Attached email Copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have set up mortgage payments so that I pay towards my monthly obligation twice a month. This is for two reasons : 1 ) it evens out my monthly expenses 2 ) early payments *should* help me pay down my mortgage faster. 

After enrolling in this program, I learned that the first payment is held in a " suspense account '' and it IS NOT applied to the mortgage at time of payment. Instead, it is held & applied at the end of the month, once the second payment is received. 

I am paying early, but I am not receiving any benefits related to that early payment ( balance reduction, which then impacts interest over the life of the loan, therefore helping me pay down faster. ). 

Truist does not have ANY other way for me to make partial payments towards my monthly obligation -- I must pay all or nothing.

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 2022-09-24
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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: PA
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 US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 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 2023-11-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: IL
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:
The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to pay off my Synchrony credit card in full and got a notification that the payment was accepted. Then later noticed autopay was still set, so I logged into my account out of curiosity. I found out the initial payment was returned. And the autopayment was declined. I saw the account had been closed, and there was never a notification or mail received to notify me. I called and was on the phone for an hour and a half. The reasoning for closing the account kept being changed. No solution was found, and they will not reopen the account. I called my debit card company, and they never had an issue with the account. And they confirmed that there was enough money to make the payments to the credit card. I need help due to never being given the chance to fix the problem. The credit card company placed my account in delinquency due to the payments not going through, and they are blaming my debit card bank. The account took the money, but returned it, both times. We have pictures as proof for sufficient funds. How can I fix this?

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 2022-09-24
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 XXXX XXXX XXXX and XXXX XXXX signed a contract. We did read the contract everything seemed to be okay. We're weren't able to ask the finance XXXX to many questions. However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with 15 USC- finance charge the consumer credit contract gives a definition I wasn't fully aware of what the finance charge was suppose to entail. The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. New City Funding failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX. Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. New City Funding consumer failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by mikes auto sales, New City Funding would not accept my credit application unless I had a down-payment. One more violation New City Funding Presented they threaten to garnish my wages seized property under FDCPA section 807 they do not have the right to do that and it is a XXXX fine.

Company response to consumer: Closed with explanation