BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CA
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I had major problems from the time I opened an account with Capital One a few months ago ( I think it was XXXX ). I received debit card, but could not make deposit online. I received contradictory messages over and over. I was then told to call the bank, but was told they can not go through the process with me on the phone and I had to personally go to my branch. The branch up the block had closed down so I had to take car service to get to another branch at end of XXXX XXXX. I made the deposit, created a pin and made sure to go through it with the XXXX  XXXX. It was then considered fine. I confirmed I wanted to use the debit card for foreign currency on a trip. I was assured there would be no problem. When I arrived in XXXX I went to the bank on XXXX XXXX. The transaction went through until the time it was time to give me cash. The message said Service not temporarily unavailable at this time. Tried several times at XXXX banks over several days and could not receive cash although there was more than enough in my account. The last bank ATM said card EXPIRED. 

I was also asking other bank ATM customers ( who were American or British ) if they experienced any problem and none of them did. The Hotel clerk tried to call customer service, but just kept getting a recording. I went XXXX weeks without the CASH I needed in another country! When I came home I called Customer Service and there was a recording. I called today, XX/XX/XXXX, and the recording gave options and when I chose an option it said it can not understand. I went through these options XXXX XXXX and just kept getting the same response. My experience with this bank has been the height of frustration for me not to mention the stressful and humiliating position I was in. This banking experience has been a nightmare when it should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote all three credits agencies to inform them of the inaccurate information. The account number is XXXX the name is XXXX XXXX. This account was last updated on XX/XX/XXXX XXXX. My name is not spelled correct or date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: DE
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 the fair credit act DEPTEDXXXX XXXX XXXXXXXX has violated my rights 15. U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 604 A. A consume reporting agency can not furnish a account without my written consent

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach, and may have gotten into the hands of the wrong person.

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 2019-07-02
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
National Credit System # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX : {$8700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00}

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2022-10-22
Company: Financial Data Systems
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an 8+ year old collections account open on my credit report regarding a utilities bill from 2014. The collections agency, FINANCIAL DATA SYSTEMS XXXX, keeps updating the dates to keep the account current. This should have fallen off of my report by now, and I've already submitted disputes with the credit reporting agencies regarding this account several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX, Please have an actual human review these documents and think! Someone must review this. You all keep sending me automated verified letters that are clearly not accurate! This account needs to be deleted as the creditor is abusive and threatening and clearly keeps changing its story and details such as original amount. And you all are just following whatever they say. This is the point when more responsible credit reporting companies would delete the record. I expect the same from you. 

Notice that in the attached letter from XX/XX/XXXX XXXX XXXX acknowledges the lease term was paid in full. They attacked an additional charge of XXXX after the lease was finished. Its NOT part of the original amount as they have reported to Experian. They have are so inconsistent with the dates and amounts on this lease. The original lease is finished and paid in full. If they want to try and rob me of more money by claiming the fraudulent charges of another XXXX they need to delete the original record from my account then add another record to the credit report as they have threatened. These predators are evil and are agents of XXXX. Stop letting your hands be used by the XXXX! If you refuse to delete these records and stop empowering this predatory lender to keep abusing me, understand you will answer for this in the day of Judgement. 

Please delete this now! Its not accurate and should not be on my credit report because this creditor is clearly lying and trying to extort money from me. I will never give them any money. They can send all the letters they want. They won't send this to court because they know they will lose! XXXX if you refuse to delete this, I ask you to send your lawfirm to file this. They will tell you to drop this and leave me alone! I hope you arrogant monsters fall into the legal trap and do something so I can expose what you and that dealership did to me. I have found other victims and will be working on a class action against you for your leasing practices.

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: Experian Information Solutions Inc.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 explanation
Consumer complaint received 2022-11-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a {$65000.00} check to XXXX XXXX XXXX that was fraudulently cashed. Fifth Third Bank, after ten months is refusing to make good on the check even though it was reported in a timely manor. The first report was rejected by their disputes department because they wanted an affidavit from XXXX saying they never received the funds. In the time it took XXXX to respond with a letter saying they never receive the funds the time required by Fifth Third had been exceeded. Fifth Third has in their records that I did in fact file in a timely manor but they are still refusing to make good on my funds. I have been working with the office of the president of the bank and they have been less than helpful. I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

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 2022-04-26
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: Account status incorrect

Complaint:
Equifax and XXXX have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. 

A closed and paid derogatory XXXX account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and XXXX alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though XXXX claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. 

Instead of leaving the line as it was, Equifax and XXXX alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my Fico Score XXXX ( see attached score alert ). 

The decrease to my Fico XXXX score ( which happened solely due to the re-aging of the XXXX line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. 

I am requesting that Equifax and XXXX delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by XXXX which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. 

I have again disputed these two matters directly with Equifax Dispute Center, confirmation number XXXX, and I expect Equifax and XXXX to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by XXXX. 

I am hoping the CFPB process can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2018-05-23
Company: COMMERCE BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I opened up a new checking account with Commerce Bank. They had a public promotion offer available that would pay {$200.00} after a month of keeping account open. I put in {$5000.00} in the checking account per requirements and kept the money in there the whole time. I did not receive the {$200.00} bonus and reached out to the bank for the first time in early XX/XX/XXXX. I talked to a rep that said they would open up a case and get back to me within 2 days. No one contacted me and I reached back out to the bank on XX/XX/XXXX. The rep filled out some internal form and said I should see the bonus post within 7 days. I called back onXX/XX/XXXX and inquired again from a rep named XXXX. She filled out the " form '' yet again. I did not see the bonus or hear from the bank again. On XX/XX/XXXX, I reached back out to talk to a supervisor. At this time, he advised that the bonus was only for certain targeted customers. I told him that it never stated that in the terms and that it was a general public offer. He told me that he would escalate to the Consumer Advocacy department. I still have not heard from him or that department. It is really frustrating because I held up {$5000.00} of cash in this account that promised to issue the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: VW Credit
State: CA
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 have contacted Volkswagen Credit Multiple times via phone and written correspondence. VW Credit has failed to acknowledge my dispute and failed to forward a response to my dispute. However when I dispute the account directly with the credit bureaus VW Credit seems to always respond within the 30 day window to keep the negative information on my credit report. 

at this time I would like VW Credit to respond to tell me why this information must remain or remove all the negative information as i have requested.

Company response to consumer: Closed with explanation