BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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 Sent my letter off on XX/XX/XXXX. I told the credit bureau to REMOVE my information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
I am aware that sharing my personal information in illegal the company is violating and going against The Gramm-Leach-Bliley Act that was signed into law in 1999, designated to protect consumers ' privacy in the realm of financial institutions which are, obviously, privy to quite a bit of personal and sensitive customer data.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: WI
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:
Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX  # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : 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 the 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 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 2023-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMO bank made a derogatory report to credit bureaus. 

1. After making an online payment for a BMO credit card on XX/XX/XXXX, I received a confirmation number. 
2. On XX/XX/XXXX I made another scheduled payment and received a confirmation number. 
3. On XX/XX/XXXX I received a letter from BMO that was written on XXXX of XXXX, stating my account is late and payment is due in 2 days! 
4. Calling BMO customer service/collection department, I was advised the XXXX payment was not received. 

XXXX representative also said that " ..she can see payment attempt was made with XXXX XXXX. but due to the fact they were changing from Bank of The West to BMO, there were a technical issues on their end and the payment did not get properly credited to the account '' She said that if I make the payment again, while on the call, the account will be all sorted out. 
Asking about derogatory report to credit bureaus, she replied there are none. 

5. Though the error is clearly BMO 's, they took liberty on XXXX of XXXX, having been paid twice yet only processed one payment for XXXX, to file a derogatory report on XX/XX/XXXX. 

In 33 years of having credit history in the USA, I have not had a single late payment. 

Summary : XX/XX/XXXX BMO issued confirmation of payment # XXXX [ this is they were having technical problems processing due to change from Bank of The West ] XX/XX/XXXX BMO issued confirmation of payment # XXXX XX/XX/XXXX BMO issued confirmation of payment # XXXX [ replacement for XXXX XXXX, made with customer service ] BMO should issue an immediate retraction of derogatory report to all bureaus and send me a copy of the action taken. 

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 monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents. Initiate an investigation into the accounts that, despite my punctuality, are reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Scammed using my social security number to open a checking account and tried to open a credit card which was declined!

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 2022-12-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2022 I made 2 payments totallying {$1800.00} after we worked out a payment plan. The check was returned, so I used my debit card to pay it on XX/XX/2022. Pennymac retried the check and the debit came through at the same time, eventhough it was just about {$2000.00} in the account. This brought my account to - {$2000.00}. My bank sent a request to get one of the {$1800.00} back, which I was told by the company initially they dont do unless it is their fault. One month later I recieved a letter saying I am 4 months behind. I called Pennymac, by the way, this is the mortgage company. When I contacted the company they stated " they reversed the payment in XXXX. I went to the bank because we never recieved the funds. Pennymac said they would investigate were the funds were, they never called my back so, a few weeks later I called them back and was told, " you have to get the money from the bank ''. Again, I went to the bank to inquire about the possibility they somehow misplaced the funds. The bank assured me they did not recieve any funds. Now, they initially said they returned the money in XXXX, which was what was stated on my online account until recently, now it says it was returned the same day I made the payment, which could not be true. Someone at Pennymac had to change the date. All I want is the money to be applied for payments that I am behind, don't understand why the potential cover up. I will include both XXXX and XXXX bank statement, which was requested by Pennymac as well, the negative balance we had to overcome on XX/XX/2022, the bank 's request for the funds and their document that now states it was reversed the same day I made the payment. I highlighted the amounts to make it easy to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: LEXISNEXIS
State: MD
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 is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: LA
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IL
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 kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: FL
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:
All 3 credit bureau specially Experian told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-07-30
Company: LEXISNEXIS
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:
The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX  XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. LexisNexis reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. LexisNexis reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX XXXXXXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. 
LexisNexis Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXlexisnexis.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
USAA Federal Savings Bank listed a charge on my monthly statement in the amount of {$270.00} dated XX/XX/XXXX that was listed as " XXXX XXXXXXXX CUSTOMER XXXX XXXX XXXX TX XXXX XXXX 

As I live in XXXX, XXXX and have not traveled anywhere near XXXX XXXX, TX I inquired immediately regarding the charge and listed this as a possible fraudulent transaction. They reissued a new card and stated they would investigate. 

Over 3 months later on XX/XX/XXXX I received a phone call from USAA claiming this was a XXXXCard present ' transaction and therefore could NOT be fraudulent. They dismissed the possibility of a cloned card and could offer no further information on the merchant which is over XXXX miles away from where my physical card transactions occur. 

I informed USAA Federal Savings Bank that I no longer had confidence in their banking services, that I wished to cancel my account, and that I would be filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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 XXXXXXXX

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 2022-12-07
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, at XXXX, Chime bank allowed someone to access my account without my knowledge or consent, and proceeded to wire {$5000.00} to an unknown email. The person who did this had a phone number from XXXX, XXXX. I immediately called the bank and filed a police report, disputed all charges, and submitted documentations to the bank as requested. They launched an investigation and tried to tell me that is was not fraud and that they would not be reimbursing me. This is illegal and wrong. They stole from my children. I can not give my children XXXX, food, or pay for bills currently. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
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:
On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-12-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold bought illegally because I was a victim of the equifax data breach I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports including hard inquiries no never approved and multiple negative items and unknown address

Company response to consumer: Closed with explanation