BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership. 

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated. 

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX Enclosed : are supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is messerli and Kramer in XXXX MN.i guess it was XXXX when I had a card for purchase of ... I have no idea.they say I owe XXXX they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was not given a court date by letter.I never got proof from XXXX XXXX or from messerli and Kramer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX line of credit through Comenity. Their payment site has been down for some time now ( about a week ) and my payment due date is on the XXXX and I usually schedule a payment in advance and now I fear that my payment is going to be marked late with the bureaus and hit with a fee. 

Many others are having this issue as well. Phone lines are down and I am unable to get assistance anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
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:
Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )

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 2022-07-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
About three weeks ago, I was involved in a job scam while looking for a summer internship. During this scam, I separately transferred {$3300.00} to the scammers through XXXX since the scammers told me I needed to purchase the training materials for that internship. For this issue, I filed complaints on CFPB two weeks ago, and Wells Fargo, the brand of banks I hold with, would like to assist me as well, so this issue was done. However, I found there was still an issue I needed to solve right now. As the scammers promised, they would reimburse the fee by sending me a picture of a check through email. That check was {$1900.00}. I scanned that check on my mobile bank APP on XX/XX/XXXX, and Wells Fargo recognized the check was fictitious, and they could not process it. Because of this issue, they had to close my bank account. I thought Wells Fargo just wanted to prevent me from further fund losses, so I applied to open another account at Wells Fargo since a banker said I was good to open another account. I opened a new bank account at a branch on XX/XX/XXXX, but I received a disclosure letter from Wells Fargo for this new account yesterday, and the reason was " the closure by Wells Fargo or its affiliates of a previous account [ I ] owned ''. I phone-called Fraud Prevention Contact Center at Wells Fargo XXXX and the representative said that Wells Fargo could not trust me anymore just because I scanned a fictitious check, so he asked me to open a bank account at another bank 's brand. 

Although scanning and depositing a fictitious check is my fault, I am a victim of this job scam, and I just want to follow the instruction in order to have this internship since I had not doubted those people were scammers at that point. After online researching, I found I may be on XXXX. I could not accept this result, and I expect Wells Fargo to help me out of this issue because I am also a victim, so I can have a standard bank account as I used to, and I do not want this issue to negatively affect me in the future.

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 2021-08-03
Company: ERC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Santander Consumer USA 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:
I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have a XXXX dollars due feed on my credit report. The report states that it comes from XXXX. XXXX advices that it is not theirs. I need to claimed XXXX XXXX And find out if it is theirs.

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 2023-11-10
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am still being charged interest on my loans even though I am currently on the save plan with a $ XXXX monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Home Loans XXXX XXXX NMLS # XXXX I ( with my now ex-husband ) applied over two years ago for a mortgage with XXXX XXXX XXXX Caliber Home Loans for a mortgage. I was granted that mortgage loan. I have always paid on time. 

Last Friday XXXX, XXXX XXXX of Caliber Home Loans was granted full access of my private ( and supposedly secure ) information by Caliber Home Loans. She " copied '' the file and ran a full tri-merge credit report on me when I neither applied for a loan from her nor gave her authorization to pull my credit. SHe stated in an email that she " accidentally '' pulled my credit when my ex husband called her for mortgage financing. She further insulted me by offering to give me a copy of my credit report! ( which she is not supposed to do according to the law ) She is ruining my credit score and now I need to fix the damage ( If I even can ) that she created by doing a hard inquiry that I DID NOT AUTHORIZE OR REQUEST. I have had a HUGE score lost due to this along with the hours I have already spent looking up all of the laws they have broken by their blatant disregard to do business correctly. 

Caliber Home Loans is obligated by law to keep my personal and private information away from the hands of everyone. AND they are obligated to make sure that if they pull someone's credit that they have authorization! Yesterday, XXXX, on a phone call, XXXX XXXX XXXX who claims to be a regional manager at Caliber Home Loans ) stated they grant loan officers access to other loan officers files as commonplace. He laughed when I told him that they didn't have my permission NOR did they have the right to give access to another loan officer that I do not know my personal & private information!! 

Yesterday I also called XXXX XXXX XXXX to ask how this can happen and if it happens often with Caliber Home Loans. The woman from the credit department stated that they have had other calls like this one about Caliber Home Loans!! SHe also stated that not all of the credit bureaus will be willing to remove this hard inquiry therefore affecting my credit score for the next 25 MONTHS!

This MUST be STOPPED IMMEDIATELY!!!

I have email conversations where they admit to all of this that I would be happy to forward to anyone who's interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank : BJ 's Perks MasterCard has experience total failure of their website for approximately 1 week. A message originally appeared that they were going through planned upgrades and the site would be back up soon. This message lasted for approximately 4 days, and has now been replaced with a message that the upgrade is taking longer than expected. This message has now been up for three days. I have contacted their customer service #, but they will only report that account services online will be available soon. A consumer is prevented from utilizing any services online, checking balance, accessing a statement, fraud prevention, management of benefits, or even payments online. I have never experienced a delay more than an hour in any other credit card, and this is now going on for over 1 week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 XXXXXXXX Account # XXXX XXXX, and 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 1681 a.1.a : States that any item that's being disputed must come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections noted dated XX/XX/XXXX from Wakefield & Associates. On XX/XX/XXXX I replied to their notice saying that this is a debt I do not owe. I received no further response or communication with them. On XX/XX/XXXX I received another collections notice regarding the same debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX XXXX, and 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 1681 a.1.a : States that any item that's being disputed must come off my credit 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/2008 Judgment entered date, this was fraudulent debt by XXXX XXXX XXXX XXXX. This was not signed by me or any part of me I ignore the initial Collection back in XXXX, as I have no knowledge of the debt back then, now its going to after my wifes Property, I must ask for help with this fraudulent debt wasnt create by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company confirmed, due to their error, they would not be charging me a late fee. Received notice yesterday that late fee is due today but there is no one at Comenity that I can speak with since they are down for maintenance. Their system is down so no one to dispute or pay for this late fee which I am nor supposed to get to begin with. The company is closed and they are charging me late fees with no way to address it. PLEASE HELP?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: LEXISNEXIS
State: NC
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 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 2023-02-01
Company: Experian Information Solutions Inc.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Early this year Credit Karma in 2022 kept sending me pre approved emails and when I would go onto the website to check my score. Therefore, I thought I was going to get a credit card of {$15000.00}. So I applied for the card and I got denied and then I was approved for {$1500.00} instead of the {$15000.00} and I was very upset because I was going to take a trip with family. A trip that I deserve because my husband passed away unexpectedly and I needed this get away. This took my anxiety over the limit and I havent even gone back on their website to check my report. Im afraid of all the lies and broken promises.

Company response to consumer: Closed with explanation