BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.

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 2023-05-18
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
US Bank negligently did not close a debit card that has fraud charges, charges continued to accumulate and they are now giving me a hard time closing my account after I have been informed that the fraud claims have been closed and credit has been issued for all the transactions that happened due to their negligence. Ive contacted multiple employees, branch, fraud, fraud leasion, executive management, and customer service. I keep getting the run around and this issue has been going on since last year. 
Im under too much stress, and dealing with and emotional and financial burden due to US BAnks inability to accept negligence! 

They keep trying to close my CFPB claim with the initial fraud claim but they are again neglecting to review recent claim that I filed this year, for a debit card they did not close last year.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
I'm NOT satisfied and convinced with their method of investigation. They are releasing various reports and don't align with each other.

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 2023-10-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I had a HELOC in XXXX and and in XXXX when the housing market crashed I fell behind on those payments. That loan was sold to real time resolutions. I ended up filing bankruptcy and all my debt was XXXX. I spoke to real-time resolutions amd they told me I was not obligated to pay the debt. They sold the loan to select loan services last year and they aggressively tried to foreclose. I received seemingly hundreds of letter from lawyers and foreclosure documents. I took money from my 401k and paid about $ 26k to get it current but they are still saying I owe and threatening foreclosure again.

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 2023-05-26
Company: Bread Financial Holdings, Inc.
State: NV
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:
On XX/XX/XXXX I attempted to purchase an upgrade to my seats through XXXX XXXX. 
My credit card was denied despite having {$1100.00} in it. I received a text from my credit card company asking if this was fraud - I confirmed the charges and received a text stating my card was clear and ready to use. I attempted to use my card again for the same transaction at XXXX as well as pay for my monthly land mortgage of {$230.00} the card declined again. I called the credit card company and was told " I did not have enough money in my account that is why my card declined '' I spoke to a young lady named XXXX. When I proceeded to tell her that I had money in my account she told me my payments had not cleared when I attempted the transaction at XXXX. I advised my payment of {$500.00} and {$560.00} had cleared on XX/XX/XXXX and XX/XX/XXXX. She then told me that my account had numerous charges that had not cleared that were over the limit of the available funds of {$1100.00} - I advised that I could not see the charges and she replied that I did not have any available funds. This has happened to me numerous times with this company where I am unable to use my card. The young lady even went as far as saying I was check-kiting because of the back-to-back payments as a lawyer I find these to be pretty serious allegations, especially since I pay this card whenever I can to keep from being hit with extremely high-interest charges. I was told I had to wait 48 hrs for charges to appear on my statement I still have not seen any charges and I am still unable to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Driveway Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I recently bought a car through Driveway on XX/XX/2023. However, on XX/XX/2023 received a letter from driveway finance stating they are offering new terms from the recent purchase and i only need to contact them within 10 days of the letter date XX/XX/2023 to accept the new offer. 
I called driveway finance to accept the offer but they will not update my account with the new terms. The payment is {$20.00} lower per month at the same term length of 72 month. I simply want this offer they extended to me. Could your organization help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MS
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 was contacted by XXXX XXXX attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than XXXX dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.

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 2023-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i disputed the account XXXX XXXX XXXX account number XXXX back in XXXX it was removed With report number XXXX on XXXX XXXX  and it was reinserted onto my account late XXXX i disputed the account again and it came back verified i was not notified about the reinsertion within XXXX  days of it reappearing violating my consumer rights via 15 U.S Code 1681i ( 5 ) ii i have been looking for a house and this account has damaged my report rendering me of being accepted i need this account removed immediately i attached my attorney general complaint and the reinsertion letter i sent to XXXX  please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account XXXX is closed but the creditor is reporting an Increase in the balance every month and this account does not belong to me. I have asked for verification of this debt over 60 days ago and the creditor has not provided me nor the credit bureaus with this information.

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 2023-05-26
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I make a deposit from a payroll check for my family member, they hold de founds for 10 days and after that they hold my balance and closed my account I be on the bank many times I called to costumer services, to Fraudulent transactions and no have any explanation or reasons for closing my account I never have my money back And now have a record and XXXX XXXX line for fraud REAL BAD EXPERIENCE and Unprofessional situations whit BANK OF AMERICA

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent experian a identity theft affidavit to prove it was theft they did nothing it is causing me hardship

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 2023-02-09
Company: EQUIFAX, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking or removing of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-23
Company: EQUIFAX, 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 Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00}. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first off work XXXX under doctors care. Now on retirement XXXX. I pay for my insurance thru pay.gov. Keep reviving notices that you owe more on medical insurance. You call the Treasury about notices 4 or 5 different times. The person you speak to say no you do not owe what letters are saying. That the balance due on their end is XXXX. They letters have said anywhere from over {$700.00} to recent letter from debt collector for XXXX. When talking to Treasury you had small payments request that were paid on time. Every time you have called the amounts on letters didnt match what they had. One time they said they you owe approximately {$36.00}. Which I immediately paid thru XXXX. Another time they saw that I supposedly owed {$47.00} dollars which I immediately paid thru XXXX. Every time I called they did not know why the Treasury dept was sending letter for large amounts. Again they saw zero owes. I was told everything is fine and disregard the letter. Last letter received was notice of a top pay off (? ) again I was told to ignore it as it was not correct. So I have to the best of my ability kept in contact and paid to keep my insurance current. I have receipts and have provided them to treasury multiple times. And they say nothing is owed everything is fine. When I asked why I keep getting letters they say they dont no and give different reasons why they letters were sent in error. Maybe they were sent before adjustments were made etc. 
Monday XX/XX/XXXX  I received a letter from Transworld Systems , Inc. A debt collector. They said total amount of debt now due is {$660.00} I have no idea why this was turned over to debt collector or why I owe this. I have been in constant contact with Treasury. 
Says Treasury Account Number XXXX Treasury Case number XXXX Referred from Bureau of The Fiscal Service XXXX account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I contacted the XXXX credit bureaus XXXX and Transunion. They continue to report that an account, XXXX XXXX, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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