BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: American First Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
They canceled my automatic payments without my authorization. which is now showing late payments on my credit report. I called and they waived all fees but didn't report my account as paid on time and delete the late payments from my report. TECHNICALLY THEY IS NO LATE PAYMENTS ON MY ACCOUNT IF THE FEES WERE WAIVED FROM THEIR MISTAKE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
I called Equifax to have my report corrected as they have recently experienced a credit breach in which they are unable to verify who was affected by the breach. They are in direct violation of 15 usc 1681 A 3, and 4. I am not making a dispute. I am demanding me report is cleared of all derogatory/negative information and or items. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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:
On XX/XX/2023 TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/2023, today it is XX/XX/2023 and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number 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 2023-09-13
Company: BARCLAYS BANK DELAWARE
State: FL
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 am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX 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 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 2022-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-12-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : 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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AZ
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:
When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX XXXX  XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.

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 2022-06-24
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports. The investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates I saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Name : XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2023-08-18
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX I thought I purchased a service to trade a time share for a vacation club membership. They asked for nthe transfer costs on XX/XX/XXXX. The first transaction was charged on my American Express Card amount of {$9000.00}. The second charge was {$1500.00} on my American express Card. In XXXX the local offices were closed and I was left holding the bag. XXXX was contacted and I was advised that the corporation that ran the charges on my card did not exist and they were nshut down by the attorney generals office and charged with fraud. This took place in early XXXX of XXXX. I had difficulty getting the old statements mailed to me. On XX/XX/XXXX, XXXX the case was filledand a letter outlining the events, as well as the attorney generals findings. Our case number is case XXXX XXXX. 0ver the ensuing months, we called AMEX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. Each time there seemed to be a lot of uncertainty on their part as to what was happening and where their investigation stood. Each conversation was an hour or more and included promises of returning ncalls, which never happened. At one point ba card credit was posted on my account was posted and later rescinded and that just added to the overall confusion. AMEX never once alerted me about this company and I felt abandoned. I heve a long history with AMEX and have spent enormous amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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 account name XXXX XXXX, including Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-09-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My name is XXXX XXXX and i have learned that American Express has taken illegal action against my credit card account. this constitutes an adverse action under the equal credit opportunity act. American Express has fraudulently closed my account without my expressed consent. By law these actions are unlawful due to the fact that they didn't have authority by law to take such action once a credit card ( social security account number ) is used to open the account in which one was used to open the account under the truth in lending act. This account is strictly for purposes of personal family and household use. American Express is preventing me from being able to provide for my family and is causing me substantial harm. These actions have cause me to seek credit counseling to prevent me from declaring bankruptcy. however, if credit counseling is not achieved. I will be forced to declare bankruptcy then American Express will not get any type of payment from me.

I am advising American Express to investigate a billing error for the full amount due to the fact, by law a credit card was used to open the account and there were absolutely not public credits used to credit the account which it should have already been credited from the start. because my credits were not applied properly due to unknown purposes i have determined that American Express is using my account in an unauthorized manner and is not allowing me to benefit from using my social security account that was designed to benefit the consumer. this is harming me and causing injury to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold by XXXX XXXX XXXX to Newrez LLC. XXXX  did not provide any information with regard to where to send our payment, or if we would be issued a new loan number. I did find an address online for Newrez and send them my monthly mortgage payment using my XXXX XXXX XXXX number. It was a month before I received a statement or any information from Newrez LLC. On the statement I noticed that the payment I had sent to their XXXXXXXX XXXX office was not credited to my account. I also became aware that {$980.00} overage was in my escrow account. I called Newrez and asked for an escrow audit and mentioned that according to RESPA, I should be due an overage refund. I was informed that Newrez would not complete an escrow review until XX/XX/2023 and that I would not be receiving my escrow overage until such time as that was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation