BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: TN
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 protected consumer rights to privacy and confidentially under 15 U.S.C .1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section2. 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 agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive 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 2022-11-23
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open up bank accounts at several banks and they keep denying me because of something on my credit report that has something to do with 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 2016-02-16
Company: National Principal Group, LLC
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU

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 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-10-01
Company: EQUIFAX, INC.
State: TN
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:
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX XXXX XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Convergent Resources, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my 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 explanation
Consumer complaint received 2015-09-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.

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 2022-11-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I haven't heard back from the bank yet but they have been made aware today. I cashed a check at my bank and for some reason the insurance company canceled the check and it bounced four days after cashing it. However the check is in my name at the bank I have a checking account with and this bank decides to remove the funds from the check in my name from my minors dedicated funds account instead of charging my account. Clearly paperwork and account information states my XXXX is the owner of the funds deposited into this type of account. It's XXXX XXXX XXXXXXXX Which are entitled to my son. However the bank took the money from the check out of my sons account. Now my sons account is negative overdrawn and its due to this bank not removing funds from the correct account which is my personal checking.

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 2015-06-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked XXXX to investigate the information regarding XXXX XXXX Credit Union. The CRA swears that the information is valid and refuses to invesitigate when I know for I fact the account is over years old. I got approved for a loan with XXXX in XXXX and the XXXX reported deliquency was in XXXX. The CRA has down XXXX. While XXXX was the date the car was repossessed. So how can that be?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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: 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  XX/XX/XXXX {$490.00}, The XXXX XXXX XXXX XXXX XXXX ) {$810.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$410.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$340.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$2000.00}, Department of EducationXXXX XXXX. 

15 USC 1681 section 602a. states I have the right to privacy.

15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency mau 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 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to a 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 2021-10-01
Company: Professional Credit Management, Inc
State: TN
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:
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed Professional Credit Management ( PCM ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and PCM has failed in correcting the erroneous information. Since PCM continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The original lease was created in the State of Louisiana on XX/XX/XXXX. According to the Recovery Dept. with Toyota Financial the current amount owed is {$23000.00}. My original car note was {$480.00} per month but after taking a medical sabbaticle my wages changed and a decision to hire me again after ACT 715 was not reversed in XX/XX/XXXX. Therefore, future jobs consisted of day labor work beginning from XX/XX/XXXX to XX/XX/XXXX. I also am a caretaker for an immediate family member who is the spouse of a veteran. She is included as a co-borrorwer too. 

At the time the lease ended in XXXX I was making less money and working a day labor job with XXXX XXXX. XXXX insurance had terminated including all warranties in XX/XX/XXXX. I was not notified about this. I have tried to return the car without repairs and trade it in like is. I have not had luck with refinancing options either. The car is at a local mechanic shop waiting to be repaired. I had to cancel several Toyota Diagnostic Appointments due to cost to repair engine of {$3000.00} plus. 

The recovery department with Toyota Financial accepted small payments but the dealership would not trade the vehicle due to its condition. After taking it to a local Toyota Shop it was too expensive to repair. I then began to contact banks about a cure for refinancing and taking out small loan for repair. I have had no luck due to credit hx from disasters and low paying jobs. Still seeking a cure the refinancing options and because at the time the lease matured my income was too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
My name 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 2016-01-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. 
Where do I get answers? 
If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. 
Why are they charging all these fees? 
Did I agree to it? Are they within their rights? 
This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/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 XXXX XX/XX/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 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 2021-10-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I disputed an alleged debt with a debt collector named LVNV Funding LLC, LVNV bought this debt from XXXX XXXX XXXX. LVNV Funding LLC later removed the alleged debt from my credit reports after seeing that I was a victim of identity theft. This alleged debt hindered me from accomplishing my credit goals and negatively affected my credit scores. My rights as a consumer were violated under 15 usc 1681b ( 2 ) " in accordance with the written instructions of the consumer to whom it relates ''. 
I have attached a letter of correspondence of admission and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute to the company on XX/XX/2021. The company responded to my dispute on XX/XX/2021 but failed to mark my account as disputed on my consumer report.

Company response to consumer: Closed with non-monetary relief