BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 I am required to recieve text on phone I am talking on This requires hand action to get out of calls & into texts then back into calls USAA IS NOT XXXX ACCESSIBLE ON LINE is a NO ACCESS for me also I AM TOTALLY COMPLETELY UNABLE TO ACCESS MY BANKING I used to be able to contact by phone but a hostile rep removed that option for me after my last call in RETALIATION I am unable to make payment or access any banking with USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Transunion and XXXX are both reporting a missed loan payment from XXXX forXX/XX/XXXX. I graduated XXXX onXX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-07-19
Company: U.S. BANCORP
State: OR
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:
Credit report indicates I have opened a credit report with ELAN Financial Services on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with ELAN Financial Services, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( XXXX ). The response from ELAN was " we have determined the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate ''. Further attempts to contact ELAN have not been fruitful.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: OH
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:
Re : You are in violation under 15 U.S. Code 1681i ( XXXX ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from 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 2019-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle has been repossessed even tough all payments were submitted consistently on time. I made my payments from my bank account in Wells Fargo via on line payments. I even went directly to my branch to set up this new account to make sure the process is properly set up. But these payments didn't arrive or arrived late to XXXX XXXX. Something that I wasn't aware off until too late because the money was always taken from my account. 
I have been trying to resolve this issue for the last 3 months however, no resolution have been received or follow up of the multiple claims placed with costumer service with both institutions. 
Proof of payments were sent multiples occasions directly from my bank via fax, and no resolution yet. 
Be informed that my vehicle is an important part of my work and for the last three months have been very difficult for me since I have to rely in others just to be able to work. 
During multiples communication between Wells Fargo and your XXXX XXXX, has been very clear that it was a mistake from Wells Fargo therefore my payments were never allocated under my account. 
My vehicle was already place on auction for sale, and I was informed that promptly I will be receiving collections letters. 
This gross negligence is also damaging my credit. I need a prompt resolution and an immediate explanation.

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 2016-10-16
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have placed the account with the credit bureau 's 3-4 times on each of my credit reports. I called and asked for verification of the account because of amount and they continue to put it on reports now as if its new accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received another call from the XXXX XXXX on XX/XX/XXXX telling me that their process server couldn't make contact with me so  another was being sent to the court house to be served to me there. No mention of who I supposedly owe, or am being sued by, etc ....

Company response to consumer: Untimely response
Consumer complaint received 2015-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
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: Investigation took more than 30 days

Complaint:
i disputed items from my credit report that were inaccurate to 3 credit bureaus and they haven't answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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: Account status incorrect

Complaint:
I obtained a car loan through XXXX XXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed.I had not taken possession of the car again after that time.On XX/XX/XXXX, XXXX XXXX reported to the credit agencies that the car was repossessed. (Not sure why, maybe to extent the bad credit filing)On XX/XX/XXXX XXXX XXXX reported to credit agencies that I reopened the same account.On XX/XX/XXXX XXXX XXXX reported to credit agencies that the car was repossessed. This leaving the account on my credit until XX/XX/XXXX.I have attempted to resolve this matter with XXXX XXXX and the credit agencies with no avail. XXXX XXXX continues to put fraudulent information on my credit report and refuses to correct their own error.I have only had one account with this company, which ended in XX/XX/XXXX upon them taking possession of the car.

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 2017-11-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Was not notified of investigation status or results

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update the last reported date of payment to show that the account is in good standing.

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2016-11-29
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Equifax credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX XXXXUS DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX... XXXXUS DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NC
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:
As I, XXXX XXXX have previously notified Experian and XXXX, that I am a victim of identity theft.

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