BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: First Technology Federal Credit Union
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First tech federal took over XXXX out of my checking account to reimburse themselves for someone elses account that was overdrawn. I got my money back after a lengthy phone call and discovered they took my money to cover overdrafts on my ex husbands account that I have never been tied too. Than they had a collection agency contact me to collect the same debt from that overdraft account where I proceeded to explain I have never been on that account. Now that same account that is not mine is being reported on my credit report and in chexsystems causing me to be denied applications. I have never been associated with this account and first tech keeps coming for me over it. My husband has XXXX and I cant keep dealing with first tech messing my life up.

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 2023-07-25
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX ) XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-07-25
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 3 separate verification letters to asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my Chime account for over a year due to an XXXX scam. I have contacted Chime about this and was asked to take a selfie holding my government issued ID. When I completed that, I then was asked to take a selfie holding my ID with only the date. After I submitted that I was asked to submit a selfie holding ID with my name and the date written on a piece of paper. I have submitted the requested information over 10 times and I am still unable to access my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX have 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 2023-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: VA
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 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: MD
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:
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 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 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 2022-10-28
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX continues to report to XXXX ( XXXX ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: LA
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  XXXX, XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: MD
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. 

XXXX5 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 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 2023-03-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo was over charging me and they closed my account due to fraud I had no consent of. I dont remember the specific dates but it was year 2020

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 2023-08-29
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association . 

Here, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX. 
FNBO is under contract with XXXX XXXX XXXX as well. 

Here, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a " Snail mail '' check to FNBO for processing. 

Plus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing. 

Herein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO. 

FNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end. 

This is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution. 

The way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity. 

FNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO. 

We suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: MO
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 submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. II have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with Experian, XXXX and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: OH
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. 

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio Dept of human S : 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 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