BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo would freeze my account for 15 day+ that would make my payments late. Now my credit report shows I have late payments

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 2023-06-10
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was an online catalog back in the XXXX and they are still writing me after I had filed many attempts for them not to contact me anymore for something I dont owe. They have now added some interest and fees to a Dept making it well over {$4500.00} for something I dont even owe. Under my old married name. They now have an attorney writing me as they had already ceased all action over 10 years ago only to restart. They have filed for bankruptcy and if you XXXX them, XXXX XXXX they had to pay millions for lying about how much they made. I wish for them to stop harassing me for a debt that is not mine! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, 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:
send XXXX, Equifax and XXXX  a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
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: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Frontline Asset Strategies, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have disputed this account several times. On XXXX XXXX I checked my consumer report and noticed the company Frontline AS these inaccuracies of false reporting. ihave an account from frontline for an alleged debt of XXXX sent certified mail requesting validation of this debt. also i am requesting validation again .these remarks on my consumer report have cause actual damages as well as statutory damages. due to voilations of the fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Please can you delete this company I applied once and when I look at my report there are several tries. I do not have a card with this company please remove SYNCB/TJX CO DUAL dates listed are incorrect I never applied. 
XX/XX/XXXX XX/XX/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 2022-04-08
Company: EQUIFAX, INC.
State: AL
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 AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Over the course of a couple of years, varied amounts of money were removed from our Bank of America checking account without our authorization. These amounts were transferred to entities who were unknown to us. For the year prior to discovering and reporting these fraudulent withdrawals, XX/XX/XXXX to XX/XX/XXXX, {$38000.00} was stolen. This account has been closed. 
{$27000.00} was returned to our new account by Bank of America. Of the total amount, stolen during the year prior to reporting, {$11000.00} has yet to be returned to us for this one year period. Bank of America informs us that most of these were transferred to XXXX bank, and that they will not compensate us for this loss. 
In addition, beginning XX/XX/XXXX and prior to XX/XX/XXXX, approximately {$17000.00} in additional funds were stolen from our account and transferred to multiple entities unknown to us. 
The total amount Bank of America has not returned to us is roughly {$28000.00}.

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 explanation
Consumer complaint received 2023-03-23
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX we issued Ck # XXXX to XXXX XXXX XXXX in the amount of {$15000.00}, mailed it to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Few weeks later XXXX has advised us that they have not received the check. We immediately provided the information by sending them the front and back of the check. To our surprise, XXXX notified to us that they have no record of depositing the check via mobile. Nor did they recognize the signature/.endorsement. Also it showed Pentagon Federal Credit Union Routing # XXXX. We reported to our bank, XXXX XXXX at their Fraud Department. Since last year, XXXX XXXX has been handling this matter. On XX/XX/XXXX, we received a letter from them advising us that they have completed their research of our claim related to Ck # XXXX. However, they were unable to credit our account due to lack of response from Pentagon Federal Credit Union. On XX/XX/XXXX called the customer service of Pentagon Federal Credit Union. Asked which department that could address my concern. The customer service refused to route my call. In short, very uncooperative.

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 2023-01-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is probably the worst experience Ive ever had with a banking institution, and I highly highly recommend that people do not open a credit card with XXXX XXXX bank . On XX/XX/XXXX I made a payment to that card and several hours later saw that it appeared that that money was taken off my account, but I wanted to make sure. So I called synchrony banking services, and the representative confirmed that they received the payment, and the money was taken off my card, and not to worry about it then Sunday or Monday I got an email from my primary banking institution, letting me know that my account was overdrafted. When I looked into this more I noticed that the overdrafted charge was from XXXX  XXXX rightly so I was extremely upset and I contacted them they were very unhelpful, and they did say that the person I spoke to would be reprimanded and spoken to about this situation. I then called back today to confirm this information and to get additional so that I understood. And todays experience is easily the worst Ive ever had. The lady said that there was no way XXXX of them could look up when I made that XXXX who I spoke with, and that when I open the car, there was a disclosure about the payment process, and when I spoke to the original person, they also made a disclaimer. When I asked them to verify that this person didnt make that describe her to me they said they were unable to. When I mentioned that the person before, so they would be able to eat. She said that is not true we are unable to. And I said the time of the payment I did have enough money, and the women said well thats not our fault, you should manage your money, better

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, XXXX is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If XXXX failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20

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 2020-03-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Per letter of XX/XX/2020 to CFPB, Nissan Motor confirms that my husband 's bankruptcy was in fact correct. They have removed the trade line for him from all credit reporting entities. 

As our attorney confirmed today, same should be done to my credit report, this is NOT a charge off as being reported and Nissan continues to report late pays. The trade line should be removed as was done for my husband. The debt is one in the same! 

Prior to having our attorney file a complaint against Nissan Motor and  moving with litigation, I ask that it be removed from credit history as was done with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Fairway Independent Mortgage Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started calling about an error on my account with Fariway Independent Mortgage starting in XXXX of XXXX. I provided evidence that the escrow payment in XXXX included {$330.00} charge for interest resulting from the 1st tax installment, due in XXXX, was not paid until XXXX. This total paid in XXXX was {$330.00} over the total annual tax bill, due to the tax bill not being paid on time. 

I have called numerous times about this issue and was told a refund would be issued. They closed a ticket in early XXXX without resolution. We reopened a ticket, providing all of the evidence on XX/XX/XXXX. At that time we were told it would be resolved within 5 business days. After 6 days I called and they asked for more time. I replied that I wanted to speak with someone who could explain the problem. At that time they told me I would received a call within 24 hours. That window has passed and I have not yet received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2022-03-25
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: Account status incorrect

Complaint:
In XXXX with the fair credit reporting act convergent acct # XXXX XXXXXXXX XXXX XXXX paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. 

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks 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 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX there was a credit inquiry made on my report by XXXX XXXX XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX  XXXX XXXX Date of Inquiry : XX/XX/2023, XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 2023

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 2023-06-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief