BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had Experian to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. XXXX and XXXX never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX XXXX XXXX XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my TransUnion account with web XXXX XXXXXXXX and also XXXX the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer

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 2022-06-21
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no idea what this is about, I do not have an account with this company. I have asked in writing for them to stop contacting me and now they are calling the owner of my company ( my boss ) divulging personal information in attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Information was provided to me thru my XXXX Account : XXXX : XXXX Derogatory marks View all accounts COLLECTIONS Commonwealth Finance Opened XX/XX/2020 {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$710.00} Highest Balance {$710.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

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 2019-07-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.

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 2022-06-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ).  After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each  time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, 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 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 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full on XX/XX/XXXX I mistakenly shorted the amount by {$.00}. On XX/XX/XXXX I was charged and interest fee of {$19.00}. I ignored the statement emails since I knew I paid the balance. On XX/XX/XXXX I noticed on credit karma my score dropped XXXX points when I looked it was BOA late payment. I pulled up past statements and found the shortage. I called and offered to pay the {$.00} they said I would have to pay in full and they would request the interest be removed but there is no guarantee. I was disgusted with this resolution so I paid in full and requested my account be closed. I feel this is unethical business practice and no one should do business with them.

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 2022-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off a mortgage with Fifth Third Bank and the pay off was much larger than the principle. A few XXXX was explained but {$6800.00} was sent to their forbearance department and no one there can explain where it went or what for. Today I talked to XXXX who put me on hold and then XXXX picked up who eventually dropped the call. I used their messaging system and XXXX once asked about the {$6800.00} I accidently lost connection with him. I started, just trying to find out what interest I paid in 2021 and after digging had questions and am not getting any answers or help. It is almost like the fraudulently took the money over and above my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt

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 2018-11-06
Company: EQUIFAX, INC.
State: ND
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/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to Equifax and XXXX  with my proof of payment on two separate occasions now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
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:
XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid off {$2500.00} balance in full by due date. Next statement had interest charge of {$48.00}. I called to ask for it waived and they refused. I have NEVER had an interest fees waived on this account in the 3 years I had it. I was never late and they are retaliating against me for paying off the balance. Today, XX/XX/18 I called and closed the account and refused to make interest payment of {$48.00}. They threatened me with collections if not paid. I know you can not charge interest on interest or report late payment for interest only balance. I will not pay the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report and found inaccurate, invalid accounts on my 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 explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bank of America has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

They took {$300.00} dollars from my bank account on XX/XX/XXXX without my authorization. 


This is what account looks like on XXXX. 
BK OF AMER {$24000.00} Closed 28 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} Account showing 28 Negative ratings

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