BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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: 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 : XXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items 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, FL XXXX XX/XX/XXXX, XXXX XXXX  CT XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX CARD XXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXX OF XXXX XXXX XXXX : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt.

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 2022-04-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Despite asking on a recorded line and then having them write they would stop, American Express has continued to call my work jeopardizing my job. I have filed this before and they sent a letter in my last complaint stating that this would stop however it has gotten worse and they are now even calling when the payment is not even due yet. They continue to call us on a recorded line so each of these outreaches are recorded and records have been kept of the outreaches. I have also used this site before and they responded stating it would not happen again. It is blatant harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX I was paying XXXX a month until XX/XX/2023 they stop taking the payment PORTFOLIO RECOVERY Have put me in collection with 2 accounts!! How can they do that if this company is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected or deleted ASAP. Thank you. 
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 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 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle XXXX XXXX balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MO
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 is continued to violate my consumer rights and slso bypass and disregard all ruele and regulations and procedures. I continue to reports to the CFPB and show my proven records of this company that ignored the law. Something seriously need to get done and i feel as a consumer I am constantly being lied to and tried any kind of way alll because of what this compay continue to report on my credit file even when i dispute items they pick and choice what items they want to dispute or remove. The items they say that i have previous disputed will not be disputed or removed because the creditor has verified that the information is correct but i continue to show proof to what the bureause are saying are lies. I continue to show updated credit reports to were the bureaus say they verified accounts but the account are still the same with no updated but just heresay so i want get the account removed. I have sent lettrs explaing the metro 2 law, 15 USC 1861 law and still the bureause dont do anything but say they are reporting correct information. So I have continue to upload documents to what i have sent and then the corresponse I get from the bureau.I got information to show proof of different bureaus removing accounts off my credit but Experian continue to lie and say they verified the account and I ask them like who verifid what?

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 2019-08-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed a mortgage payoff check to Wells Fargo from my personal account on XX/XX/2019. The check was processed on XX/XX/2019 by Wells Fargo. I received a letter dated XX/XX/2019 with and XXXX cent refund check. The letter stated that my mortgage was paid off. 

On XX/XX/2019, I contacted a Wells Fargo representative. I have not received my original note, mortgage, or anything of the such. The rep said it would take between 60 and 90 days to receive this information. I told him it was past that time back in XXXX.The rep then said the documents should be received within the next two weeks or so. 

First of all, it shouldn't take 5 months to receive payoff documents. I want all documents needed for a payoff of my mortgage. I asked if I needed to check to see if the mortgage was released. He said, no. 

With all the people working at this bank, they can't mail simple documents for mortgage payoff. I want my documents, and that way, I know I'm completely done 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 explanation
Consumer complaint received 2023-04-12
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 2020-04-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a citi gold account in XX/XX/2019 and I have referred 18 people to open the checking account. For each referral, I was told I will get {$200.00} bonus. So far I only received 17 bonus and I am missing another {$200.00}. The banker has confirmed I would receive 18 bonus back in XXXX Last month, I have contacted the banker who opened the account for me but no response so far. Below is the banker 's info : XXXX XXXX, Personal Banker NMLS # XXXX Citibank XXXX Branch XXXX XXXX XXXX XXXX  XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : 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 monetary relief
Consumer complaint received 2020-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
been trying to call capital one for 2 weeks to ask for a payment extension before my payment was due XX/XX/XXXXand they are not answering the phone or they disnconnect after waiting on line for long amounts of time. they have no other way to contact them other than snail mail. no chat no email. they have now charged me for a late fee. my wife and i have both lost our jobs because of the virus situation and have no way to make payment at the moment.this seems crazy there is absolutely no way to get in contact with them for 2 weeks straight.please help. thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on my credit

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 2023-02-13
Company: EQUIFAX, INC.
State: MI
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 # XXXX, XXXXXXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXXs acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX  XXXX  acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX 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 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inaccurate Information TransUnion Credit Report : Creditor Accurate Balance Inaccurate Balance Date Paid 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 Disputed Resolution : Verified As Accurate on XX/XX/2023 Correct Debt Owed : Should Be {$240000.00} Incorrect Amount Owed : {$250000.00}

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 2020-04-04
Company: EQUIFAX, INC.
State: MS
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 request for XXXX XXXX, XXXX, Equifax and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. XXXX, Equifax and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( i.e XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. XXXX  and XXXX  is listing the open date as XX/XX/2015 and Equifax is reporting XX/XX/2015, There is no way this account was opened on two different days. XXXX  is reporting the reference number as XXXX. XXXX  is reporting XXXX and Equifax is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. XXXX  is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and Equifax is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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