BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : 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 2022-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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. 

I contacted XXXX, Experian and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me XXXX XXXX XXXX stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2021-03-23
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Hey alot harrassment phone call by a a person name XXXX XXXX and his number is XXXX. And also alot of harrassment email from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Eastern Account Systems of Connecticut, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is debt from 14 years ago, I am assuming. They could not even tell me what was it for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 Americollect signed for certified letter sent certified letter requesting them to remove from my credit report due to violating XXXX laws. They continue sending me old bill with my XXXX XXXX. 
XX/XX/2021 Americollect signed for certified letter Americollect representatives continue to call and harass me stating I have to pay them or they will call me til I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: UT
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-01-30
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been traveling outside of the country for some years now. And for some reason I checked up my credit and its been a lots of negative in there, Which I did not commit. 
I believe my name has been use in fraudulent activities, I want to get my credit back on track so I can organize my life. It has been a disaster for me to get anything under my name because of my credit. Student Loans, Credit cards and etc. I wonder how I can get some help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank who who finances the XXXX XXXX is making repeated calls, upwards of XXXX in a single day. They are also calling before XXXX and after XXXX XXXX CST at night.T harassing calls are continuing. 
The most recent calls coming in dated ( I have submitted some screenshots ) to support my position XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX They are interrupting me at work, and I work in the field working with large machinery. This is causing distraction and potential for mistakes on my job to the extent that lives could be lost. 

I set up a payment plan in XXXX of XXXX for XXXX each month on a forgivenss program and to straighten out my credit. They continually lose the information. 

The keep calling and asking for more information, new bank account numbers etc. They have admitted while on the phone that I am on a payment plan but that does not stop them from calling. I have a new plan set up for the same amount. These transactions are listed below. 

The payments have been made to Commenity Bank on the following dates. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I can provide bank records for this too but you state not to include personal info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2021-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/2021, I received an email from Wells Fargo bank at XXXX stating that an ATM transaction from my account for {$2000.00} was declined which was a fraudulent transaction. I was asleep at this time, but when I checked my emails in the morning and saw this I checked my account balance also and realized {$1000.00} dollars was already taken from my account as well from the same ATM location fraudulently. I immediately went to my purse and I saw that I was NOT in possession of my card so I called Wells Fargo on the same day ( XX/XX/XXXX ) around XXXX and spoke to a woman and requested to stop the card and sent me a new one and I also made a statement for the fraudulent transaction. I have email confirmation for my " turn off request '' for my card which I received at XXXX and I also received a claim number for this incident just off of the phone call but no one ever reached back out to me to send claim forms or anything else regarding my situation and after days of not hearing from Wells Fargo I already received my new card and then slightly after on XX/XX/XXXX the company closed out my claim case and told me to call if I had any questions. My new card was shipped to me XX/XX/XXXX which I also have the confirmation email also. On XX/XX/XXXX when my claimed was closed I reached out again to the company and they said since I was in possession of my card that they couldn't do anything to help me, but I WAS NOT in possession of my card which was the reason I requested the turn off of my card and the request of my new card. I asked them to reopen the claim and they said they would get back to me but never did and I NEVER received any emails, calls, or mail from them about follow up information.

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 2021-03-23
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Back in XXXX, I submitted a request to close my account with Netspend online, which is their requirement. Recently, I received a notice that my statement was available. I no longer have a card with this merchant. I logged into my account online and noticed that the account was still open and has overdraft and debit fees on this account. I have attempted 4x to contact this merchant regarding this account being closed and removing the fees. Each attempt was met with the response of you cant verify your card number or remember your last deposit so we cant assist you. I havent had a card with these people since XXXX and I have not made a deposit since then. They have since removed my access to their website so I am unable to verify the last deposit amount in order to resolve this issue. I have confirmed with them that a deposit is transferred to my savings in the amount of {$25.00} every time a deposit is made in my account. With all of this, they have yet to assist me with this issue. I am currently on hold with no acknowledgement from their customer service department and have been on hold for 2 hours! I just want my account closed and these fees removed! I was a member with this card since 2009 and this has been the most impossible situation to deal with!

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 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past 3 months i have been trying to make this loan current, Bank of america has lied to me on several occasions, after i do exactly what they tell me to do they 'Change the rules and give me more hurdles '' I received a call from BOA i asked what my options were as the legal executor of this estate ( loan ) a Rep from BOA told me to Become the Successor of Interest, after that was confirmed i could defer the past due balance, and then make payments on this as agreed upon. 

Near the end of XXXX  i was instructed to mail in a letter stating my intent to become the successor of interest, i then on XX/XX/2021 received a letter that i could NOT be the successor because i have not assumed the loan ... .you cant assume the loan until you become the successor.. SO i resent paper work fast forward to today XX/XX/2021 receive a call from bank of america. I asked about the successor of interest status i was told " one tab says you are the other says you are not '' while i was waiting for this to be confirmed i asked WHEN im confirmed id like to defer the loan as stated in a previous phone call, today i was informed that i CAN NOT do This now, even though i was told i could less than a month ago. Please note the rep at the end of the call still did not know sure if i was conformed successor of interest yet I requested that the phone calls form the last 3 months pleased be reviewed ( bank of america records all calls inbound and outbound ) and then a person of Authority please contact me to tell me why i was told something that is not accurate. something as important as this I was informed that i needed an attorney to be able to get a transcript of conversations that were made via Myself and the bank. I find this not true as i am more than legally allowed to make all decisions on this account. 

Basically this is a he said, she said dispute, there is a very easy fix for this go to the recordings and check, this is why they record calls, if i am correct then the bank needs to honor what was promised since they are responsible to know the rules not me.

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 2023-06-23
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'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 non-monetary relief
Consumer complaint received 2022-12-16
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 XXXX XXXX XXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2021-03-23
Company: Mercedes Benz Financial Services
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 have made every attempt to have this situation corrected and remediated with credit disputes to the three bureaus -XXXX XXXX XXXX XXXX and XXXX to no avail. I have contacted Mercedes Benz and they were of no help. They advised me that they do not get involved in credit disputes and that all their credit reporting is done automatically. They suggested I dispute the item with the credit bureaus that they would not dispute the update. 

I have 100 % payment history on all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX  and Mercedes Benz reported me late or over 30 days on my XX/XX/2019 file with the XXXX agencies. This has made my credit payment history 99 % and less than perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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