BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 2023-08-02
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion 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 XXXX, XXXX, and TransUnion are 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.

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 2023-05-24
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'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 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 2019-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I closed my checking account with Bank of America. On XX/XX/XXXX, I paid off the remaining balance on my Bank of America credit card of {$90.00}. The closing of my account and confirmation of credit card balance payment was confirmed in person with the the Financial Center Manager, XXXX XXXX, at the XXXX Georgia Bank of America. 

Fast forward to XX/XX/XXXX, I applied for a business credit card and was denied. After checking my credit report, I found that Bank of America had re-charged my credit card for {$90.00} starting XX/XX/XXXX, and had not informed me that I had any outstanding balance due on my credit card. Because I had not received any notice of this outstanding credit card balance, no payments were made, and the balance accrued fees that totaled {$270.00}. 

I met with XXXX XXXX and XXXX XXXX in person at the XXXX Georgia Bank of America to figure out why I was charged a second time for the {$90.00}, and why it had accrued so many fees. They were unable to get any answers, and weren't able to figure out why the {$90.00} was re-charged to my account. They called the credit card department, which was no help. The credit card department asked them to review my banking records, which we had already done and was the reason we called the credit card department in the first place. After 3 hours of back and forth, no resolution was made, and I left the bank. 

I called the credit card department to complain about the fees, and to dispute the charges because I was never notified of any due or late payments. They said they were unable to prove or disprove that any notifications were sent out, and would not assist me any further. 

This has hurt my credit score greatly. I have had no late payments on any card, and have had no debt, no liabilities other than the current credit card balance, which has always been promptly paid off. The only reason my credit score is  now in the mid 500s is because 1 ) Bank of America falsely charged me {$90.00} that was already paid on XX/XX/XXXX, and 2 ) Bank of America never notified me of the late and unpaid fees that began accruing in XX/XX/XXXX. 

I have not had a change of address and no change of email or log-in information, so there is no excuse for Bank of America to have not communicated these fees and charges. Now they want me to pay {$270.00} for a {$90.00} charge, that I had already paid off. Also, my once-excellent credit is now terrible.

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 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi, I had a Chase debit card need to renew in XX/XX/XXXX this year. But I did not received an information from Chase before I contact Chase. They did not inform me that a new card sent to me or mail the new debit to me directly. I had to contact to Chase by phone on XX/XX/XXXX for asking for renew card, they said the new should be arrived within one week. After contacted them, I also got a email confirmation that the new debit card would be sent out on XX/XX/XXXX, but I did not received the new card before XX/XX/XXXX, I called them again Chase customer service said they just sent the new card out, I should received it next week. But I did not received it in next week. I had to contact them again by secure message through Chase bank system on XX/XX/XXXX and XX/XX/XXXX, but no one answer me. Today is XX/XX/XXXX, I still do not received my new debit card or received any information from Chase. That means I have Chase account, but I do not have Chase debit card, how can I do deposit on Chase ATM? I only have to go to Chase field branch 's counter to do this. I think this is bad experience with Chase service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-03-04
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, this is in response to XXXX Please see the attached information regarding my emergency room debt with XXXX XXXX. As you can see, on XX/XX/XXXX, they were advised that I did not have insurance and a discount was applied. Please review to see why the amount you are providing me is showing the procedures without the applied discount. Please reach out to the hospital to verify the debt you purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XXXX I attempted to pay this company some of my balance and I was told I couldnt do that. I paid the amount of {$860.00} and the clerk pocketed the payment and didnt report it. I would like this report off my credit report

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 2021-03-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
They have continued to report the wrong balance on my XXXX XX/XX/XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

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 2019-12-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. XXXX  refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX  are misreporting the loan balance. XXXX  continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

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 2019-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Despite multiple requests and, in our position in a breach of contract, Wells Fargo has frozen the credit line since XX/XX/2019 while holding a lien on the underlying property. 
In an XX/XX/2019 registered letter, Wells Fargo was summoned by us to either reopen the line of credit or to close it and release the underlying property as there was no balance due. 
In their response dated XX/XX/19, Wells Fargo confirmed their refusal to reopen the line of credit, but did not release the lien nor issued the satisfaction of mortage instrument in violation of Florida Statutes 701.04 that requires a lender to issue such instrument within 14 days and then to have it recorded in the official records of the county.

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 2023-01-26
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX is posting inaccurate information on my consumer report which is causing harm to my personal life. EQUIFAX is furnishing a consumer report that claims I have a Student Loan account from " Dept of EDXXXX '' that has " At least 120 days or more than four payments past due ''. It is also furnishing a report that claims I have an account from " US Department of Edu '' that was opened on XX/XX/2011 with a payment status as " Collection Account '' that is " XXXX days past due '' and has a balance of " {$2400.00} ''. This information is from an account that was opened over 12 years ago, in XX/XX/2011. Both of these reports are inaccurate and need to be removed from all consumer reports regarding my person furnished by EQUIFAX. I have tried disputing with the company through XXXX and had no success. EQUIFAX continues to violate my rights as a consumer by publishing my personal information without my written consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: OH
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 have checked my EXPERIAN credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, EXPERIAN assumed this role without permission not only that, they did not have my consent. EXPERIAN did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. EXPERIAN did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. EXPERIAN never had a permissible purpose Under 1681b ( a ) 2. I never instructed EXPERIAN to furnish this report and I never consented to this report in the first place. The 3 fraudulent accounts are A fraudulent closed account POSSIBLE FINANCE that has late payments. I have NEVER done business with this company and A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These 3 accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent EXPERIAN and my proof of identity.

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 2023-01-14
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TN
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MA
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:
Experian has violated chapter 93 Section 58 paragraph ( f ) of the MASSACHUSETTS STATE GENERAL LAW. This section of the law states whenever a statement of the dispute is file the consumer reporting agency Shall in subsequent reports containing the information in question clearly note that it is disputed by consumer. Experian did not after multiple subsequent reports state that account 14528 is in dispute. I have provided as proof several recent copies of Experian subsequent reports with no notice of dispute stated. I have also provided a copy of CHAPTER 93 SECTION 58 PARAGRAPH ( f ) of the Massachusetts State General Law as well. Experian you are willful noncompliance of chapter 93 Section 58 paragraph ( f ) of the Massachusetts State General Law. I have also attended a copy of my dispute letter with the supporting proof documentation subsequent experian reports.

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