BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Diverse Funding Associates LLC
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:
In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from DNF ASSOCIATES LLC that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, DNF ASSOCIATES LLC alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, DNF ASSOCIATES LLC failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that DNF ASSOCIATES LLC is my creditor or current creditor and dispute that DNF ASSOCIATES LLC holds enforceable security interest to collect on a debt in their name as my creditor. DNF ASSOCIATES LLC is not my creditor and should be removed from my credit report as my creditor. 
DNF ASSOCIATES LLC failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from DNF ASSOCIATES LLC of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For years from about XXXX through XXXX i had countless overdraft fees and had many items returned because of them. It made made credit report list that my payments were late and i wasnt because the overdraft fees were done from the largest transaction to the smallest making them all bonce and get many over draft frees instead of XXXX or more. I have paid thousands in nfs fees through the years.

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 2023-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
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:
around XX/XX/2022, i login my carrington mortgage account to ensure that XXXX payment was received and i notice that carrington mortgage did not apply the payment but they accepted the payment so i called and ask why is the payment my payment was in suspense and ask for them to do their job and post the payment to my account. after talking to the rep for about 40 min the rep but my request in and they the remove the payment from suspense status and applied it to XXXX payment. now they want to report that i was late but i wasnt late. its XXXX percent their fault for not applying the payment. i as the rep to ensure that it will not report on my credit and she ensure me that it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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 complaint is against company " Hyundai Capital America Dba Hyundai Motor Finance, Kia Finance America And XXXX XXXX XXXX XXXX XXXX XXXX In Utah ) '' who reported numerous systemic errors to consumer reporting companies and failed to help when asked to investigate this matter. 
These are the ways i asked for help to investigate issue but no response/resolution was given to me. 
1. Called finance customer service atleast 30-40 times. 
2. Sent a US Postal letter to company explaning the issue ( Attached ) 3. Spoke to local dealership about this issue. 

1. 1st of all, Customer service clearly mentioned that " communication was being sent to wrong address '' yet they reported balances. As it was at the peak of COVID ( XXXX XXXX ), not knowing what to do, i waited for official communication which was being sent to wrong address as their system had misinformation. I keep checking my account but no information is given. 

2. In multiple customer service calls, they mentioned to me that " we don't know howmuch balance is and that i need to wait ''. I kept calling but they never communicated to me about balance. 

3. after few months, i was told " balance is XXXX  amount '' and i immediately paid off and clearly asked " if there is any left ''. they said NO. 

4. After few months, got a collection notice that " there is still balance ''. I called finance customer service again and informed about " not getting any communication '' and surprised to know from customer service that " they still have wrong address on my file ''. I paid off balance again and askd to send " PAID IN FULL '' letter as a backup. 

5. Even to get " PAID IN FULL '' letter, i had to call multiple times and in the end, after 3-4 weeks, finally got the " PAID IN FULL '' letter ( attached ). This happened in XXXX XXXX this overall process, costed me so much of mental pressure in addition to that Global crisis COVID tensions and my credit score drastically down around XXXX points. 

6. Now, after 2 years, i again got a letter from collection agenecy that there is still {$75.00} balance due. Again, i didn't get any communication from KIA but direct from collection agency. my credit score already down XXXX points yesterday.

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 2023-02-17
Company: ACXIOM CORP.
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:
Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please fix the following accounts : XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
To Whom It XXXX 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 the right to challenge anything I am not sure 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 to 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. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXXXXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer 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 out come to be sent to my address I put on the from area. Thank you for your time and help in this matter

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 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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 along with Experian, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : # XXXXXXXX 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 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 explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX I am a PayPal customer with email address XXXX PayPal limited my account and asked for ID, bank statement and proof of address which I submitted with case Reference ID : XXXX But they have not reinstated my account. 

I need this to be resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: CBC Companies, Inc.
State: IL
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 have contacted this company for so many times, and I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

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 2023-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX please delete hard inquires

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 2023-02-28
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The signatures do not match. And even though the signature is clearly not mine, NCS has left it, even gone so far and to paperwork, with the fake signatures and still tries to pass it off as real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
When I investigated my updated credit report, I see that many items were erroneous. The 3 credit bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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