BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX closed my account, then locked me out my account preventing me from paying my bill and then wrote my balance off and sold the debt giving me a collection account on my credit even though I was still current on my monthly minimum payment. Then ignored all attempts of contact including 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MO
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 office ran a hard inquiry on my credit report from Experian on XX/XX/2022 in pursuit of retrieving owed debt. They have continued to call myself and work place after I've asked them not to. They've threatened to arrest me.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX account # XXXX XXXXXXXX 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 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 or 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Originally, my VA mortgage was with XXXX XXXX. After several months, XXXX sold my VA loan to TMS ( The Money Source ) Bank. I did not want to do business with this bank in the first place because I had never heard of it and was satisfied with XXXX. 

Secondly, I had an agreement with XXXX that all payments over the regular, required, monthly amount would be fully applied to my principal balance upon payment. When TMS acquired my VA loan, I was told, in writing, that " Nothing would change '' and that I had the same agreements as with my previous loan servicer, XXXX XXXX. 

I then continued to make very large payments, 2 to 3 times the regular monthly amount. Instead of applying the extra amount to my principal, TMS applied all extra amounts as if they were individual, additional monthly payments, taking full interest and escrow amounts out of each divided payment. This, in effect, was not only violating my previous agreement that I had with XXXX XXXX, but also violating the specific contract term that I would not be " penalized '' for early payments. 

TMS Bank has now taken more than {$5000.00} in extra payments and applied nearly 25 % of it to interest and escrow amounts instead of to my principal balance. TMS bank now has deducted more interest and escrow in just seven ( 7 ) months than I should pay the entire year. This has been happening since XXXX, 2021 and continued until now. So far, TMS has charged me {$4800.00} in XXXX and {$3300.00} in interest in just six months. My total annual escrow payments only come to about {$2800.00} per year!

It took me 3 months just to get them on the phone because they did not have anyone answering the phones, just playing " excuse '' messages about Corona Virus staffing shortages. When I did finally get someone on the phone about 3 or 4 weeks ago, the " Customer Service Representative '' stated that I would have to include a special written note with every payment for extra amounts to be applied to principal. When I told him that was NOT acceptable because I make all payments through XXXX XXXX XXXX XXXX System which does not allow any special notes, and I did not ever have to do such ridiculous extra process with any other bank, and I have dealt with numerous banks before, owning three other properties in my life.

TMS has done all that they could to continue to illegally take my money and place it toward their profits and beneficial usage, gaining interest off of my money the entire time, while making me pay a far higher interest rate than I should be paying. They were notified by phone and by written letter. The only response was that it would take them another 30 days to give a final " decision ''. THERE IS NO DECISION! IT IS MY MONEY, and they should apply it THE WAY THAT I WANT TO MAKE PAYMENTS or be sued and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX ACCOUNT # 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 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 2023-04-17
Company: Experian Information Solutions 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:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2022-10-19
Company: BARCLAYS BANK DELAWARE
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: Personal information incorrect

Complaint:
Your help is needed as I have been locked out of my Barclays card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that barclays has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for 37 min 39 sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. Barclays has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, Barclays XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. Barclays has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. Barclays mislead me that the only address being reported to XXXX, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. Barclays has lock the profile to prevent address updates. Barclays has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached.

How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : BARCLAYS HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate Barclays actions.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: AL
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:
Reporting Act USC 1681 ( i ) ( a ) ( 1 ) ( A ) Can you reinvestigate the completeness and accuracy of this accounts. 
Accounts Name Account Numbers XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate. ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
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 USC 1681 : Account name and number : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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.

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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}

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 2023-04-25
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan, as I'm on long term XXXX. The loan was approved for {$1900.00} and my credit report and number was pulled. I signed the contract after requesting XXXX of the available limit. After signing the contract I was notified that my loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MI
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 need XXXX, Equifax and XXXX to remove late payments on account XXXX XXXX, XXXX department store, XXXX missed payment due to XXXX pandemic and weather desaster declared by governor in Michigan. The Berau companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Citi Bank credit card was charged XX/XX/XXXX several transcations in XXXX Colorado by people unknown to be. 
The charges were as follows : XXXX. XXXX XXXX XXXX CO XX/XX/2023 ; Disputed on XX/XX/2023 {$110.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$220.00} XXXX. XX/XX/2023 XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$330.00} XX/XX/2023 When I noticed the fradulent charges, I locked my card and informed Citibank immediately. Citibank then send me documents to fill out and indicate whether I had been in Colorado or whether I had authorized people to use my card. I wrote that I was never in XXXX nor had authorized anyone to use my credit card. Citibank then investigated further by contacting the merchant who wrote that the authorized signer is known by the cardholder ( i.e. myself ) and that the signer is a member of the cardholders household ( i.e. my household ) both of which are not true. 

Solely based on that information provided by the merchant Citi Bank concluded that the merchant 's statement was true and mine a lie and put all the charges back on my credit card. I am appaled that Citi Bank is using such a flawed process to determine whether I am responsible for the fradulent charges. I can prove that I was never in XXXX Colorado during that time as I was working where I reside, far away from Colorado, and that I do not know these people. How would the merchant be abla to say that the people who used my card are known to me or part of my family? Instead of making a decision on real eveidence, Citi Bank arbitrarley makas a decision by solely relying on the merchants statements.

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 monetary relief
Consumer complaint received 2023-04-25
Company: TD BANK US HOLDING COMPANY
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, TD Auto Finance # XXXX, XXXX XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called AT & T to advise account was not mine and account was closed as it was not mine. All of a sudden, I am not getting bills for an account that was closed by AT & T for fraud. Tried to contact company and explain this to them but they don't care and continue to send me bills.

Company response to consumer: Closed with explanation