BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NV
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:
In reviewing my credit report, I have noticed that it contains several old addresses that are no longer accurate. These outdated addresses have no bearing on my current credit standing and serve no purpose other than to clutter my report with irrelevant information. I tried to dispute it but it came back as verified.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the account listed below 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 stat
es a consumer reporting agency can not furnish a account without my written instructions. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX, XXXX. 
Charge Off Balance : {$1900.00}

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 explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 ; it also states that consumer reporting agency cannon furnish an account without my written instruction.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On credit report : Item # XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  ( XXXX ) In accordance with the FCRA Convergent 15 USC 1681 Section 602 A states have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.

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 2022-12-05
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to speak with someone in the fraudulent department of Cash Central for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Cash Central received an application of credit in XXXXXXXX XXXX XXXX under the following names XXXX XXXX and XXXX XXXX from XXXXXXXX XXXX. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXXXXXX XXXX Account, and I will attach the complaint and response to this complaint so Cash Central can recognize and confirm that these applications used a fraudulent XXXXXXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Cash Central because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Cash Central to recognize the GRAVE error they made, and I want an apology and their acknowledgement regarding this matter, and I want Cash Central to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The student loan responded to last complaint on XX/XX/15 saying still in review and would respond but that was over XXXX weeks ago and still no update?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRUIST FINANCIAL CORPORATION
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:
This Company is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA, as a federally protected consumer. I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my Business account without notifying me and send me a letter with enclosed amount to the XXXX XXXX XXXX I couldn't cash that check anymore because of Chase refused to do that. The only option I have is going to another bank and open a new business account which is a big hassle as I have partners from different states. Chase refused to provide me any reasons why the XXXX XXXX account is closed without a prior notice. 
Now I have cashiers cheque sitting at home and can't cash it to make the payments because it is under the corporation name. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # : 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 : 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX  XXXX XXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with chase in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls Dailey. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Upon receiving Military orders to XXXX XXXX, XXXX, Credit Acceptance said they do not allow the transfer of vehicles out of the country. I provided the orders and the vehicle was surrendered under these circumstances. While in XXXX, i was alerted by my security manager that my vehicle had been stolen. I contacted Credit Acceptance and learned that the vehicle was stolen from XXXX XXXX XXXX not me. Credit Acceptance continued indicating late payments on my credit report while the vehicle was stolen from there care and not mine. I addressed this issue with the company and was assured they would fix this. Over a year later, I go to purchase a home for my family and this is hindering me from moving forward. They insisted I fill out a dispute form and return. I refused due to this being an ongoing issue. My next step is this and then a lawyer seeing there are now damages. I will attempt to have this rectified through this agency.

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 2022-10-21
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have found out that there in fact two separate contracts in regard to the sale of the vehicle. Not only that but multiple blocks are different from each contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( Mr. Cooper ) attached extra money to my payment to cover shortages in my escrow account. Shame on me as I should have explored this more thoroughly. I assumed since everything has increased so did my property taxes and insurance. After the second time I got hit with a shortage I started to investigate and found payments were made to people I have never heard of. 
As soon as I found out about this I contacted my mortgage company ( around XX/XX/XXXX ). 
The mortgage company told me they would look into the issue. When I never heard back I called again. This time I was told that they were trying to contact these people with no luck and that maybe I should do it myself. Of coarse I informed them that that was their job not mine. When I called a third time they were blunt that it would be my problem to contact this people and get THEIR money back! I called again last week to ask where my case was and I was told to call them on break at work to remind them to call these companies. This company bought my mortgage approximately 2 years ago and their customer service is the worst ever. below are the erroneous payments that I have paid from my escrow account. 
XX/XX/XXXX XX/XX/XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX CO {$1900.00} I typically pay extra every month to pay down my mortgage but have not since they raised my payment to cover these escrow overages. So this has significantly affected my payoff. Maybe that's what they want. 
Please provide assistance on how to recoup these funds. 

Thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill with date listed of XX/XX/2022 from a debt collector : XXXX XXXX XXXX for the " your local yellow pages ''. I have never signed up for that company or for any other advertisements. I am a XXXX and the owner of XXXX XXXX XXXX. 
The balance they state I owe is {$390.00} for something I have never ageed to nor signed for. 

account number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Nelnet, 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:
Account has been on my credit report for over 7 years and hasn't dropped off and I want these account removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my personal XXXX device was stolen at a shooing center and $ XXXX in fraudulent transactions were made using the bank app on my device. I immediately filed a claim with Bank of America and was given a temporary credits. Fast forward to now, after very little research being done, my claim has been denied and the credit reversed. Essentially, they feel that since the funds were stolen using a device that I own then I am responsible. Even though the device was not in my possession. They also stated that it was my fault for not having my device hidden in my bag, and a passcode on it. Yes, you read correctly. As a victim of a crime, I am being blamed for making it too easy for the criminal to rob me. Not only am I being unfairly blamed for my own victimization, Bank of America is also requiring that I complete my own investigation to prove that my device was stolen, including obtaining 4 month old security camera footage and tracking down the device history from XXXX. They also want written statements from all parties involved. While I dont mind doing the work, I did make one simple request and that was that I be reissued the temporary credit while Im gathering those things as its going to take me quite a bit of time as a one man team, to do the work that Bank of America was not able to do. The bank is refusing to credit my account in the amount of the stolen funds while I go through this process alone. So now my account is overdrawn, my mortgage is due, and a financial hardship has been placed on myself and my family. I feel its unreasonable to expect a customer to navigate the investigation of fraud, however its even more unreasonable to not provide a credit to my account while I do it. Its XXXX. After being a loyal customer with Bank of America since XXXX, they are choosing to leave me hanging out to dry over {$1100.00} during a global pandemic that has left many people struggling financially. Though Bank of America is a XXXX XXXXXXXX DOLLAR CORPORATION that is I more than capable of extending grace to a loyal customer, I am not asking for a handout. Im simply asking for grace and an extension of the account credit while I do the legwork on my end to support my claim.

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 2022-09-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union 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 and I did not give any written or oral instructions to do so.

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