BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 documentation from the state of Wisconsin confirming the dismissal order of a case that I was involved in, however it still remains on my credit profile from all three credit reporting bureaus.. 
I have tried working with many repair agencys with no results. This issue is affecting every aspect of my life and prohibiting me from moving forward.

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 2022-12-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am being charged overdraft fees for payments that did not take my account into overdraft. 

It is because the bank is holding onto the payment and processing it says later than it was authorized. 

I have contacted Well Fargo to request refunds and I am told that there is nothing that can be done about the 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 monetary relief
Consumer complaint received 2022-07-30
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason

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 2022-09-26
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had an auto accident in my vehicle, which was totaled. My main insurance paid the majority of auto loan off in the amount of {$11000.00}. in XXXX of 2021 and I had GAP Insurance for the remaining portion of loan, interest, etc. XXXX is the company that carried the GAP insurance when I purchased the vehicle and SanTander XXXX XXXX was to provide them with the remaining amount of outstanding balance of {$2500.00}. I am still being harassed by Santander XXXX XXXX, where they are telling me that GAP Insurance doesn't pay for any interest on loan, etc. and that I still owe their company roughly {$1600.00}. This discrepancy has been hitting my credit report all these months for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Conduent Incorporated
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was copied at a XXXX XXXX XXXX atm that l use. On XX/XX/22 l used my card for a withdrawal for {$420.00} someone did a balance inquiry first they took {$100.00} and then {$300.00}. The next day l tried to use my card purchase was denied. Come home called the customer service. I sent emails gave written statements. Told them this wasnt my transaction. I already knows how much was on my card. I call never do a balance inquiry. I dont know why its been so hard to get my money back. I filed a police report and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, Equifax is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-30
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 XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report 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 2022-08-23
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: IL
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:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I submitted my PSLF application with employment verification. I called numerous times and finally was told my application is under review by Fed Loan. I heard nothing, but saw others who had submitted their applications after I did receive approval. Not once in 90 days of waiting did Fed Loan contact me to clarify or ask for additional documents.. On XX/XX/XXXX, I made 3 calls. Three hours of waiting for return calls. The PSLF specialist stated my application was on hold. I asked why and she refused to explain. I finally got through again and was told their was a name discrepancy with my name and they asked me to submit a W2. I submitted my XXXX W2. I then called again the next day and was told my employer 's name has a discrepancy. I explained that the Auditor for the county issues payroll for county agencies. I also explained I had worked for two different county agencies. I then submitted my XXXX W2- for my employment with XXXX  XXXX XXXX XXXX XXXX , Ohio where I was employed from XXXX. I have been employed by XXXX XXXX  XXXX XXXX for XXXX County Ohio since XXXX. The FEIN is for the XXXX County Auditor because the auditor handles payroll for almost all county employees. Now they are telling me my application is on hold due to transfer to from Fed Loan to XXXX. I saw a letter from XXXX that the application must be complete by XX/XX/XXXX, expiration of TEPSLF. I believe Fed Loan has improperly delayed the processing of my application. I feel that my qualifications for the TEPSLF is jn jeopardy as they will not verify my application is complete. I have made far in excess of the 120 required payments and therefore my loan would be forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I noted that my Experian FICO history & scores had been drastically altered from my documentation of the previous 7 months, & that there was a XXXX XXXX  plummet with no causation. I have documented evidence of a XXXX FICO history of XX/XX/XXXX XXXX of XXXX & excellent credit consistently reported. On XX/XX/XXXX pm, I checked the Experian account & noted that FICO scores & historical graph had all been changed to the low 700 good range. This contradicts previous information that was reported by the 3 bureaus, XXXX XXXX, & XXXX for many months. I reviewed the reports of all 3 bureaus & there has been NO changes, no late payments, and no evidence that can be disputed as fraud on the accounts. I tried to speak with Experian as well as XXXX twice, and was told there was nothing to do with the drastically changed history. They pointed out late payments from XXXX as the causative factor, & I tried to ascertain why the FICO would change drastically 6 years later. How was an entire history ( not just the current FICO ) altered? How was a FICO score dramatically reduced with no negative entries for years? I am seeking guidance on how to get the bureaus to investigate these discrepant alterations as then credit bureaus are totally disregarding these unexplained aberrancies.

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 2022-06-09
Company: EQUIFAX, INC.
State: NJ
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
In accordance with the fair credit reporting act Credit Acceptance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason

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 2022-12-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I had XXXX XXXX XXXX XXXX due to XXXX It was the most deviating thing that has ever happened to me. I did everything in power to give that i could to help my brother but it was to no avail. Unfortunately because of this tragedy I didn't notice I wasn't paying for the Barclays account that I opened on XX/XX/XXXX. Still in the stage of grief I let my Barclays account go into collection. That account is the only collection and the only negative account I have on my report. Ive tried calling the bank personally and explaining what happened, nothing. Ive tried calling the credit bureaus to explain the situation and still nothing. Please, like I said this is the ONLY negative account i have on my report and it is greatly hurting my financial 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