BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TN
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:
Name of company reporting information that do not belong to me and have inaccurate information... FCRA say the creditor must submit the same information to all credit Bureau however this information has different open date, payment status, last date of activity .. All are VIolations All information should be the same across all Credit Bureaus XXXX 

XXXX XXXX  Account number XXXX XXXX XXXX Account NUmber XXXX In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
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 2022-06-07
Company: Experian Information Solutions Inc.
State: WI
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 XXXXXXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2022-06-07
Company: EQUIFAX, INC.
State: WI
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 XXXXXXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX Account

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: LA
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 copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: GA
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 sent a dispute letter to Experian and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged debt accounts reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated or Verified '' only with no proof so I am filing a complaint for their failure to comply with my request under federal law FCRA XXXX provisions.

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 2022-06-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT XXXX XXXX {$1300.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX XXXX Date Updated : XX/XX/2022 High Balance : {$1300.00} Original Creditor : XXXX Past XXXX : {$1300.00} Pay Status>Collection< Estimated month and year this item will be removedXXXX  Remarks>PLACED FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im made a XXXX payment using chase online. Goods were never rendered and Chase refuses to return my money. XXXX transaction was for the amount of {$150.00} and another transaction for the amount of {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
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:
My XXXX  credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

CBNA is reporting this on my Home Depot card account and my CITI Card account

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 2022-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
Experian, XXXX and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXXaccount XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.

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 2022-09-21
Company: Self Financial Inc.
State: LA
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:
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Lockhart, Morris & Montgomery Inc.
State: LA
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:
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello! My name is XXXX XXXX XXXX and I am a XXXX citizen. I am making this complaint about TD Bank because on two occasions a debt collector has broken into my bank account and collected money without my consent. This bank has allowed someone to break into my account and collect a medical debt without prior notice. And as if that were not enough, they charge me additional fees for this " service ''. This is not a secure bank account and you are not protecting me as the customer. The first time it happened I called them and they told me this would not happen again. A year later it happens again. 
More than {$600.00} comes out of my account without my consent, leaving the money for my rent and food for my children incomplete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX XXXX XXXXXXXX DATE : XX/XX/XXXX :, XXXX XXXX, XXXX XXXX SERVICES : DATE : XX/XX/XXXX, XXXX  XXXX : DATE ; XX/XX/XXXX, XXXX XXXX : DATE XX/XX/XXXX, XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXXXXXX XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX SERVI DATE : XX/XX/XXXX, XXXX XXXX  : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XXXX XXXX XXXX  XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/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 accurate.

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 2022-04-25
Company: Fay Servicing, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problems are with the servicing company : A ) They never respond to my e mails B ) I can not log in to their portal to see my account activity and they don't help me C ) They hold in Escrow a high sum D ) they collect from me funds to cover Property taxes and Home insurance, but they never report to me what and when they made any payment and I may double pay E ) I tried calling them, it is an international call and I have to wait very long until a human voice actually answers, but they cant answer my questions anyway and nobody follows up to get my problems solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i filed a report with federal trade comission for second time now report number XXXX ill submit copy of it to

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 2022-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citizens bank Account Number : XXXX savings account A {$300.00} bonus was expected. 

Due to misleading language the bonus was not paid even after depositing a total of {$15000.00} into the savings account. 

I have tried to work with the bank but they would not pay the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have gone back and forth with capital one about an account reporting on my Credit Reports. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One has taken no consideration into my circumstances, nor do they care in anyway about there customers. They are still reporting a debt that is not mine to credit reporting agency 's, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX XXXX XXXX XXXX. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. They do not care these issues impacting women and victim 's of XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-06-29
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:
I have submitted the attached letter on XX/XX/2022 to Equifax. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, Equifax continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: RS Clark and Associates, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
RS CLARK & ASSOCIATES {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARE NOT LICENSED TO COLLECT IN MY STATE {$70.00} XXXX XXXX XXXX XXXX HAVE BROKEN ALL HIPPA LAWS WHICH IS A HUGE VIOLATION OF PRIVACY ACT. 
{$84.00}, {$73.00} {$57.00} COLLECTION AGENCY OR ANY OTHER THAT TRIES TO ATTEMPT TO COLLECT THIS UNLAWFUL DEBT. ALL DOCS ATTACHED OF WHAT HAS BEEN SENT TO THESE COLLECTIONS AGENCY 'S. CEASE AND DESIST LETTERS HAVE GONE OUT AND NONE OF THESE AGENCIES ABOVE HAVE AUTHORIZATION TO COLLECT IN MY STATE. PLEASE HAVE THESE REMOVED WITHIN XXXX HOURS THE LATEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 242 - Deprivation of rights under color of law. Credit is a right a creditor can not deprive you of that is extortion.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I will be demanding the full balance if this is not removed immediately from my credit report.

15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans 47 CFR 1.1950 - Reporting discharged debts to the Internal Revenue Service.

Company response to consumer: Closed with explanation