BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-06-23
Company: Interstate Credit Solutions, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by interstate credit XXXX and their sister company highway motors inc. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$700.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: TN
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 have two accounts reporting incorrect on my credit report, I have contacted the bureau by letter on XX/XX/2020. It is now 30days later and there has been no answer, according to the FRCA they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: LoanCare, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit bureaus have information that is incorrect. We bought a house. The first XXXX XXXX company transfers it to a second XXXX XXXX XXXX who then transferred it to a third LoanCare and they transferred it to a fourth XXXX XXXX company. which is the company that we pay our mortgage to. The third company reported to the bureaus that we paid it off. and reported 0 balance. Somebody there reported it as being delinquent and our score was dropped 108 points. we asked Loan care to delete the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I noticed that 2 transactions/payments ( {$3000.00} and {$500.00} ) were made on XX/XX/2022 from my checking account # XXXX to a Bank of America credit card account ( acct # unknown ). 
These payments were not authorized by myself or spouse as we do not have a current BOA credit card or loan. I contacted BOA customer service/fraud dept about this problem on XX/XX/2022. After BOA researched the issue, The only information that they will provide is that these transactions were supposedly made via online bill pay from one of our devices. They denied our claim and said we would need to get a subpoena to disclose which device and who's BOA Credit Card Account was the recipient of our funds. 
They advised us we would need to take our devices to a third party security services company and we would need to provide evidence that the transactions were made without our authorization from our devices. In other words we had to prove that someone else had unauthorized access to the device and had originated the transaction from our device to an account that they refuse to disclose the information about. The lack of transparency about the parties in the transaction and deferring the responsibility to us to prove we did not originate the transaction is an unreasonable request.

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 2022-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
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:
USAA has violated my rights in credit reporting. There is an old account from XXXX on my credit report that has inaccurate missed payment dates, inaccurate and missing ( many years ) of on time payments, inaccurate closed dates with each bureau. I have just found out that they are picking and choosing what to report to each bureau and leaving out many years of on time payments. This is a gross legal violation in credit reporting. This is grounds for removal. 
They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 2022-06-23
Company: Experian Information Solutions Inc.
State: AZ
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 # 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 # 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2022-04-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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 2023-02-07
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I made 2- {$400.00} payments to Discover card through their Discover App. My checking account through XXXX XXXX XXXX XXXX is Direct Linked so I can make payments. XX/XX/XXXX, the first payment of {$400.00} posted and on XX/XX/XXXX the XXXX payment posted from my checking account. 

I checked the Discover card account and despite them having debited the money they only showed the payment deduction for the XXXX. Mind you both are labeled Discover XXXX XXXXXXXX XXXX on the bank statement to show the deduction. 

On XX/XX/XXXX, I contacted the Web messaging assistant via the Discover App and was connected with XXXX in XXXX XXXX XXXX. XXXX assured me that the payment had posted and would be credited to the account and would send me a confirmation e-mail. The confirmation e-mail never arrived. 

Later that morning I contacted them a second time and was connected to XXXX in Ohio. She said I should receive a confirmation number for all payments, and I informed her that when paid through the app it doesn't give one. She said it takes XXXX days to post and we were beyond that point already. 

On XX/XX/XXXX I filed a missing payment dispute for the missing {$400.00} payment via their website and provided the dates and times and banking information plus uploaded documentation. 

On XX/XX/XXXX I faxed a copy of my bank showing the labeled payment withdrawals on XX/XX/XXXX for {$400.00} and the XXXX for {$400.00} each and my account message from XXXX XXXX XXXX XXXX providing both the ACH numbers for them. 

I contacted Discover Messaging again to verify that the fax was received and was told they work faxes in the order in which they are received. They then reversed the temporary credit of {$400.00} and closed my dispute despite it not being resolved. 

On XX/XX/XXXX, I contacted Discover messaging again and requested to be connected with a supervisor and was told none were available and it could take up to24-48 business hours. 

Later in the day on XX/XX/XXXX, I was messaged by XXXX in the Delaware XXXX who told me 2 payments of {$400.00} were recently posted to my account- he did not give any dates he also admitted to receiving the fax. 

Upon checking my account, they still haven't posted the 2nd {$400.00} or deducted it from my total in my account. My account currently only shows the payment from the XXXX so the posted payment from my bank account on the XXXX hasn't been applied. Current total shows {$860.00} instead of the correct {$460.00} ( if they had applied the missing {$400.00} payment ). All applicable bank statements, e-mail, and screen shots of messages including the false claim that they applied the payment when they did not will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Was not notified of investigation status or results

Complaint:
For 5 years I have been requesting the permissible permission used to access my credit report in XX/XX/2017. A simple request. WHAT AM I MISSING? I received the attached document which isnt the correct permission used because it is undated. But I keep receiving the same rhetoric from XXXX labeling complaints and requests as duplicate.a hundred times at least. I call the XXXX XXXX numbers which is an exercise in pain & patience. 

I need this for actions against the person that perpetrated the fraud. I hate saying fraud because both companies take off on another tangent. PLEASE DO NOT SEND ME A FRAUD PACKAGE REQUESTING MORE INFORMATION FROM ME WHEN YOU HAD NO RIGHT TO RECEIVE ANYTHING FROM THE BEGINNING. It is very clear both companies had no right to access my credit report at the very beginning with an undated permission, the loan would have never happened, and we wouldnt be talking today. 

And Experian do your own investigation instead of passing the buck to XXXX who repeatedly states they are reporting properly. Are you not the keeper of my private information?

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 2022-06-23
Company: EQUIFAX, INC.
State: WI
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 XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I decided to check my Equifax credit report after not checking it for a while and I noticed in my inquiry section 10 inquires out of 12 that I do not recognize and did not authorize dating back to XXXX never really apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously they then instructed me to file a fraud report. here is a list of the non-authorized inquires on my report. 
1 : XXXX XXXX BANK XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX 5 : XXXX XX/XX/XXXX 6 : XXXX XXXXXXXX XXXX / XX/XX/XXXX 7 : XXXX XXXX XXXX XXXXXXXX XXXX 8 : XXXX OF XXXX XXXX / XXXX XXXX 9 XXXX XXXXXXXX XXXX XXXXXXXX 10 : XXXX XXXX XXXX such inquiries being reported on my credit report is very damaging and can and will prevent me from acquiring new credit if need be. I need these inaccuracies removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company, The Money Source, after receiving my payments ( and if the payment amount is more or less than my exact amount due ) puts those funds in a " suspense '' account. 

I have had multiple loans serviced by multiple servicing companies in the past and I have never seen this behavior before. Normally, if the payment is less than the payment due then the amount of the payment automatically reduces my amount due by the amount of that payment. Further, normally, if I make a payment in excess of the amount due, the payment is applied to my principal balance. 

Instead, The Money Source puts the funds into a " suspense '' account and the money is applied to neither my payment due nor my principal balance. I believe this should be illegal behavior because essentially The Money Source is putting my money in an interest bearing account of their own ensuring # 1 I am not paying less interest by having my loan balance reduced and/or # 2 My payment amount is not reduced. 

The payments I send to The Money Source are my funds and should be used to reduce the burden of my loan. Not to earn The Money Source interest and benefits above that due to them as the servicer of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-23
Company: Harvard Collections, LLC
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: Account status incorrect

Complaint:
1st error : Collection name : XXXX A gym litterally took my account to collection. 
I signed up for blink fitness for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under Harvard collection is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022

Company response to consumer: Closed with explanation