BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BECU updated their online payment system for auto loans and as a result deactivated my auto payments. Additionally, the system update changed interest payments to principal payments, then proceeded to charge late fees for 6 consecutive months. Every month BECU was called, every month BECU manually reversed the late fee charges, but BECU never restored auto payment nor cleared the backend of the system to acknowledge payments were made. In XX/XX/2022, BECU acknowledged their error and said that they could offer to reallocate XXXX payments to fix. I explicitly said they were NOT allowed to proceed with the suggested solution, as their solution would result in an increase of what I owed by over {$300.00} and result in excessive incurred due for interest over the life of the loan. As every single payment had been made and the only reason there was a problem was due to a BECU cause error, an appropriate solution was not forcing me to bear the financial burden. BECU said they would escape the call to someone who could revert the error and call me back. After disconnecting from the call BECU illegally transferred money out of my savings account, changed principal payments to interest payments, and have been incorrectly charging me an increased monthly payment for over a year. I have called every single day and every day they say they will get back to me. They never do. Today I finally got someone to actually engage in a resolution but he said because the issue occurred prior to 60 days ago there was no possible path to resolution. This is a crime. BECU stole my money then intentionally did not engage for 60 days to try and work their way out of their crimes. I have lost over {$1000.00} of personal savings and have a debt over over {$1000.00} illegally added to my name. BECU needs to reimburse me the stolen money and readjust the reflected amount on the auto loan to accurately reflect the actual amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : 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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
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 sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX  on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of XXXX5 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, XXXX, Experian ) of the violations Pro Collect conducted and requested the three major credit reporting agencies, XXXX, XXXX, Experian to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer 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 2023-09-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Two weeks ago I spoke with a representative from Wells Fargo regarding my delinquent auto account. I explained to the representative why the account was delinquent and that I was in the process of bringing the account current. I also informed that representative that I would be making a {$610.00} payment ( monthly payment plus late fee ) on XX/XX/2023, of which I did. The payment cleared my bank account on XX/XX/2023. On XX/XX/2023 I received a phone call from a Wells Fargo representative inquiring about when the next payment would be made. I explained to her that I had already explained to the previous representative why the account became delinquent and that I was still working on bringing the account current. There are options available to help me with this situation, however, I have been told that I DO NOT qualify for any of those options.

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 2023-07-08
Company: EQUIFAX, 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:
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2023-05-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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 am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!

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 2023-08-30
Company: EQUIFAX, INC.
State: NC
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:
Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are XXXX Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One offered a 4 % cash back deal if I purchased something using their website link and credit card. I did that and only received 1 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was charge {$400.00} for an alleged tax service regarding a business I have, I never authorized them to charge my account for this service. There has been issues with this registered agent service in the past not refunding my money, KeyBank has been absolutely worthless when it comes to protecting money that is deposited into their institution 's accounts. I had to pursue this merchant on my own before for {$280.00}, of which KeyBank failed to return to me those funds or help me- but then drafted a notice as if they had got the funds returned. The gall of some people! This newest {$400.00} withdrawal wasn't authorized, yet KeyBank is yet again pulling the same scheme. I have submitted proof that the transaction wasn't authorized, and KeyBank has yet to refund me or even respond. It is my belief that KeyBank needs to be investigated, because not only have they refused to dispute legitimate claims for me- but the math on their online banking appears to be indicative of them stealing large amounts of money from my account ( over {$500.00} ). The numbers don't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Public record information inaccurate

Complaint:
Bankruptcy on credit report that can not and has not been verified because bankruptcy courts do not verify bankruptcies with 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-10-01
Company: FIRST PORTFOLIO SERVICING INC
State: VA
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 contacted this company in XXXX & XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX. The company agreed to remove the account only to find out it was sold to a collection agency XXXX XXXX XXXX. 
Fraud report was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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: Personal information incorrect

Complaint:
Names Reprted : XXXX XXXX XXXX you please take this off my credit report my name is incorrect. My name is reported incorrectly. 

And XXXX XXXX XXXX is reported twice. 
Can you remove one of the 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 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
During the pandemic I was working at XXXX XXXX in XXXX SC I received in the mail a bank of America card for unemployment I told the people at my work wrote a handwritten letter sighed and dated it to send to unemployment thought it was taken care of but got layed off a lil over a year later and there was an account opened in my name bank of America sent the people another card with my name on it to a address that is not mine and I still haven't received unemployment which it's to late now I guess but still want to see what I can do bank of America shouldn't be able to open accounts for any reason without someone's knowledge.. and just a few months ago I received bank of America bank statements with all foreign names a a bunch of XXXX transactions on it the people would put like {$1800.00} through XXXX and then XXXX all the money to 3 or 4 different foreign names and I never opened that account either but they have my address somehow so I got like 2 statements and my unemployment card accidentally I guess

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