BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: IN
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/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 2022-09-18
Company: EQUIFAX, INC.
State: MI
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:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a secured Discover card & was approved w a {$1000.00} deposit. The {$1000.00} deposit was debited from my checking account by Discover card on XXXX. After issuing my card and accepting the deposit, Discover requested authorization to verify income w the IRS. The IRS is behind on processing my returns fro XXXX, a correction was needed & XXXX has not been processed. therefore my income could not be verified & Discover closed my account. I have been waiting for the deposit refund for 2 months now and no one has contacted me w any information regarding my refund. Furthermore, by opening & closing my account- my credit has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a construction to perm mortgage with BB & T ( Truist ). We paid for construction items outside of closing which were to be credited at closing. 

The underwriter refused to issue credits for monies prepaid claiming that they didn't know about them. We can prove that they did. 

Construction permit {$990.00} The down payment on our lot {$6700.00} Septic deposit {$2500.00} Septic installation {$1500.00} Water permit {$1100.00} This refusal forced us to bring extra monies to closing. 

They are now holding approximately {$12000.00} of our money as lender-held equity and are refusing to disburse it back to us. 

This ... after we went through 7 months of an approval process. This bank 's underwriting department is inept and abusive and has caused us an unfathomable amount of emotional distress.

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 2021-03-11
Company: EQUIFAX, 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:
I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of Equifax Identity Theft. Delete ASAP those accounts or I will file a litigation!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2019-08-27
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 disputed information on my credit report and Experian responded stating the information was accurate. I specifically asked for the method of verification along with documentation from the original creditor verifying the debt belongs to me. 

- 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 2023-10-20
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Zion Debt Holdings opened debt collection against me on XX/XX/XXXX for an account that is closed in XX/XX/XXXX and in good standing at the time of close. I saw an update to my credit report XX/XX/XXXX. 

XXXX did not contact me through any means before reporting to credit agencies. As of XX/XX/XXXX, I have yet to receive any detailed information related to the debt. 

XXXX has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card from Wells Fargo for a long time and this whole time I had the credit card and my regular debt card I feel like I was always charged a lot of fees that were not right. For one my card was supposed to be a student college account and they signed me up for a regular one so I was getting charged fees left and right when I was still a minor. I feel as if we need to look into this because I was wrongfully charged and I am a loyal customer to Wells Fargo. My whole family banks there and this is just not right. I had to close my credit card and mess up my credit just because I could not afford the interest they were charging and all the extra charges. Please help me I am still a student who will need to get loans for schools and I cant do that due to my credit situation from Wells Fargo. Thank you.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
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'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 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 2023-12-10
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX : XXXX Account XXXX : 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 response to consumer: In progress
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2021-09-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update all info to my correct XXXX XXXX have XXXX all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$420.00} ; 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Automotive Leasing Specialists, L.L.C.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection appeared on my credit report a few months ago. I immediately contacted the original biller, because I havent heard anything about this debt or received any bills since my last contact with them in 2020. I received a bill from the hospital for {$90.00} ( my XXXXXXXX XXXX  plan copay ) a month or so after my initial visit. I contacted them and told them that they failed to file XXXX, which is my secondary insurance. It covers the copayments and deductibles from my XXXX plan. They told me that they would file the claim, and I never received another bill from them. 

I still have not received a bill from this collection agency, but the collection account appeared on my credit report a few months ago. As I stated previously, I immediately contacted the original provider. They told me to contact the collection agency, so I did. The collection agency did the same thing! They told me to contact the original provider, and that filing claims wasnt their problem. When I contacted the hospital AGAIN, they told me they couldnt file claims or accept payment once an account is sent to collections. That the collection agency could, in fact, file the insurance claim. 

I contacted the agency again and told them all the information for my XXXX to file a claim. They again failed to file the claim, and they also refuse to remove it from my credit report. 

This has caused me serious financial difficulties! My credit was fairly good before this collection dropped my score XXXX points! Im fairly certain that this agency is trying to force me to pay them out of pocket, because they dont want to accept a lesser amount from XXXX. Im very sorry that our government-backed insurance doesnt pay what providers WANT to be paid, but there is a REASON that I get government assistance! Im XXXX, and now Im even more XXXX due to interest rate hikes after this false collection dropped my credit score! 

Im fairly certain that their tactics violate not only collection practices, but also my rights under the ACA and the Fair Credit Reporting Act! They have even contacted some of my family members that I dont even talk to!! But they dont want to talk to me about filing an insurance claim that would settle my account when I call them!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC loan with this financial institution whom Ive had a checkings account with for a little over 20 years. My credit score, my debt to income ration, and anything elses needed to meet the requirements for the loan amount I applied for was met. As I reviewed all of the criteria PRIOR to me applying. When my application was received I was told 2 different things by 2 different loan officers. When I spoke to loan officer assigned to me, I was told my income could not be supported even with 3 years worth of W2s and being told I can only qualify for a XXXX loan when I make XXXX per month. Nothing seemed to add up or make sense. I was told I needed an in person appraisal because it had to be done with certain applicants. Being a person of XXXX, this lead me to believe I was being discriminated against. I notified the loan officer of my complaint and even submitted my complaint to financial institution and I received a generic reply back from the loan officer. There is too much data and factual information and research that proves majority of people of XXXX are denied loans, expected to jump through hoops, and are denied loans more than XXXX  Americans. I want the underwriters of this financial institution investigated.

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