BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I

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 2022-11-07
Company: Avant Holding Company, Inc.
State: IN
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:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
Avant marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. 
Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. 
I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: REGIONS FINANCIAL CORPORATION
State: IN
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:
On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY in the amount of {$300.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$630.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$650.00}.

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 monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
In XXXX of 2022 I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX of 2022 which has been ignored and none of the issues were removed. 

In addition all 3 bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.

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 2023-10-04
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: Personal information incorrect

Complaint:
I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Employer : XXXX XXXX XXXX No other names addresses or employers should be listed on my account.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I became aware that a charge was made to a card I did not use recently. I reported it as fraud to the company Barclays and subsequently closed the account since this has never happened on any other card I have had and I had no confidence in this company. Today XX/XX/XXXX I receive a call that my account is now in default for nonpayment. They are trying to make me pay for a charge that was reported as fraud. I risk having my credit score negatively affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
This is a formal complaint lodged against Experian regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Experian by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Experian didn't prove the creditor even responded 2. Experian didn't send me anything at all to verify this was mine 3. Experian are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this!

As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: OPTUM BANK, INC.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is an XXXX account with OptumBank. 

I discovered a significant amount of fraud on my XXXX account yesterday ( XX/XX/23 ). Over XXXX transactions, starting back in XXXX, totaling over {$5000.00} are fraudulent. I reported the fraud yesterday and requested the card be canceled. Additional chargers were attempted today ( XX/XX/23 ) and I called back to learn the first call did not close my card. I also learned that I should expect Optumbank to only go back 60 days on refunding fraud, as that is all that they are required to do by law. I told them I was going to dispute that and unfortunately for me 60 days would not get me to 50 % of the total funds stolen. 

I shared with them that I am disappointing that suspicious activity, like charges to retailers like XXXX, XXXX ( I trading card protector company! ), XXXX XXXX, XXXX XXXX engine repair, and XXXX ( an autoparts store! ) are not reported to me unless I monitor the transaction log. Also, disappointing Optum bank could not identify suspicious patterns like in XX/XX/XXXX individual transaction ranging from under {$5.00} to almost {$150.00}, totaling to over {$1200.00} at samsclub.com. Of those XXXX charges XXXX are under {$10.00} and occur in blocks of XXXX to XXXX charges a day. This is basic stuff that my credit cards report to my attention. I would think for an XXXX account these transactions would be even easier to identify. 

I am not sure how the card number was stolen, I am wondering if the breach was on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXA Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MS
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 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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account 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 2023-02-25
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, XXXX, and Experian by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

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 2023-12-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A few months ago I had filed a complaint against the business with the OCC, Federal Reserve, and Department of Banking and Insurance, and all three agencies tried to reroute me to one of the others, claiming they can not handle my complaint. I thought I had filed a complaint with the CFPB after that, but it looks like I never filed it. Please see below the letter I had faxed to TD Credit Card Services back in XXXX after they had denied and mishandled my dispute, with no response from them Claim ID : XXXX It was stated to an agent the second time around that I did not notice the merchant charged me twice until shortly before I disputed the charge, which was why I just recently disputed it One, you accept disputes for more than 60 days for other reasons, so not sure why this one would be any different. Two, the agent never told me I only had 60 days to dispute the charge, hence how it was able to be disputed. I wouldve never wasted my time filing the dispute and getting my other bank statement and faxing your department if I was told it couldnt be disputed anymore. Three, if youre not going to credit my account because it wasnt disputed in 60 days, then why would you send me a letter dated XX/XX/XXXX requesting Attempts to Resolve?? All of that, just to turn around and say youre denying my dispute because it wasnt filed within XXXX  days?? Thats preposterous. At this point if you do not credit my account, I will be filing a complaint with the CFPB and the Department of Banking and XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CL Holdings LLC
State: DC
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: Was not notified of investigation status or results

Complaint:
I contact Jefferson Capital Systems in regarding to an account that listed on my credit report in the amount of {$5700.00}. I tried to resolve this matter on the phone several times. I have yet to reach any resolution. 

In addition, I notified my information was breach thru XXXX between XXXX 2017. I file an official report regarding this breach since my data is on the dark web, and there are a couple of items on my credit report I do not recognize and I have to deal with consumer reporting agencies of my personal non-public information as a result.

Company response to consumer: Closed with explanation