BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX acct # : XXXX XXXX  XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 2022-07-08
Company: Experian Information Solutions Inc.
State: HI
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:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX oXXXX XXXX XXXXn accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. 

XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by XXXX in 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 explanation
Consumer complaint received 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.

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 2022-07-08
Company: EQUIFAX, 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 Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 

1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
This account was disputed because the first date of delinquency was reported incorrectly by Bank of America, N.A. Neither XXXX nor XXXX were able to verify the first date of delinquency reported by Bank of America, N.A. and deleted the account from my record.
FCRA 623 ( a ) prohibits furnishers of information from reporting information to a credit reporting agency if the furnisher knows or has reason to believe that the information is inaccurate. The statute defines reason to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts as to the accuracy of the information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and ( D ) ). The deletion of the account by XXXX and XXXX because of their inability to verify the information casts substantial doubt as to the accuracy of the first date of delinquency being reported by Bank of America, N.A.
According to XXXX, dispute results are not shared by credit reporting agencies because only the business knows which of the consumer reporting agencies have received disputed information ( see attached ). Bank of America has failed to notify XXXX that the information they are reporting regarding this account was deleted by XXXX and XXXX because they were unable to verify the first date of delinquency reported by Bank of America, N.A.

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 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 2022-07-08
Company: Experian Information Solutions Inc.
State: HI
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:
I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. 

XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: CarMax, 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: Information belongs to someone else

Complaint:
This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted Carmax to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today XX/XX/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 explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The the credit bureau experian and XXXX. My bankruptcy was not verified and I have sent them both the letter from the company that they used to verified. The company letter said the bankruptcy couldnt be verified so they removed it. But experian and XXXX wouldnt removed the bankruptcy.

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 2017-08-18
Company: Experian Information Solutions Inc.
State: SC
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 received a recent response back from Experian concerning a dispute and they state the account I disputed was " updated '' however I supplied them with a letter from XXXX where they are stating they are not responsible for the account. My credit report lists XXXX XXXX on the report however the contact phone # sends you to XXXX. The account is not able to be verified and by law if an account ca n't be verified it must be removed. Also, XXXX filed for bankruptcy in 2013 so you ca n't contact them as well. The account must be removed immediately due to this issue.

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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I run a business, I opened a business account at JP MORGAN CHASE BANK NA, and I deposited a check for {$4700.00}. They are refusing to release the funds even though the check has cleared and they are stating that i need to bring the person that gave me the check into the branch and for verification. The check cleared there are no disputes or anything! Chase has decided to end the relationship and not give me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
n accordance with the Fair credit reporting act XXXX  account XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, 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.

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 2017-08-18
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I am DEMANDING an alleged account ending in XXXX be canceled and closed immediately. The above account was created in error originating from an XXXX XXXX, XXXX. Any possibility of seeking financing was never desired, never offered, nor discussed. Per FCRA 623, you may NOT willingly report on my consumer credit profile ANY information you know to be false. My financial status is self-evident in that I have never needed financing for merely a {$3600.00} carpet installation. At this time the {$3600.00} has already been paid in full directly to 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 explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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