BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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 file a formal complaint and seek assistance regarding an ongoing issue related to my credit report as maintained by XXXX and Experian that was disputed for years and was not removed nor was it fully verified. 

I believe that both of these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by knowingly inaccurately reporting disputed account information and failing to correct it. 

They lied and said it meet FCRA standards when XXXX XXXX XXXX confirmed that there is no account for me. I have been dealing with this issue for years and these reporting companies continue to report errors on my credit report also there are several other errors on my credit report they still will not delete knowing there are reporting errors. They refuse to delete it and they keep sending me credit card offers in the mail. 

I am seeking a XXXX fine against each company and would like your help. Please see attached proof that account is not mine.

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 2023-07-07
Company: EQUIFAX, INC.
State: AL
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 am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to resolve this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account with Late Payment Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax removes the late payment from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account is not mine, and I request that Equifax removes it from my credit report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.

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 2023-10-31
Company: CITIBANK, N.A.
State: NY
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 writing to urgently dispute delinquent payment statuses on two Home Depot credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the Home Depot cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Was not notified of investigation status or results

Complaint:
I sent a dispute in writing to XXXX, Equifax and XXXX asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Equifax continues to let XXXX XXXX to damage my credit with a debt that has been cleared. I have repeatedly ( more than 8 times ) through the CPFB and others, sent Equifax copies of the paid invoice with a XXXX  balance. They continue to falsely carry it on my record with them. They are the only CRA doing so, all others have removed the claim. Now they also want me to fax them copies of my drivers lic. and social security. I will not. They lose to much info on their clients by not properly protecting this same info they want from me. They know I'm me, why else would I keep after them to get this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I requested a full copy of my credit report. The {$4.00} product had everything split apart not on one form. I called 2 days to cancel and got resistance from the rep and the supervisor XXXX XXXX I said I can receive a free copy each year I do not need to be charged. I was left on a long hold then transfer to someone who said he would send a free report. He emailed me a form I filled it out and he did not explain to attach the docs license etc first. He said he cant help me. I asked for supervisor he said he is one and I have to do it by mail. I hung up furious and filed this. I did not get a full report with score. They fight to refund your {$4.00}. Its the principle if they do this to hundreds of customers this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the summer I began getting calls from JPMCB Card services, XXXX XXXX XXXX XXXX Delaware, XXXX. On the first call, I picked up, and the lady explained to me it was Chase and that my account was due, I said I didnt think I had a chase credit card, she said her records said I did and that she needed some information. She asked me for some identifying information, but when I got the part of her asking for my mothers maiden name, I froze, and told her I would be calling Chase Credit Back. 
I called Chase Credit Services, and was told that I did not have a credit card open with them or a balance, and was told that this was fraud and I was transferred to the fraud team. When I told them the number where the call came from ( XXXX ) XXXX, the fraud representative said that was not a Chase number. 
JPMCB Card Services, masquerading as JP Morgan Chase, put {$400.00} on my credit report and did so fraudently. I checked online and JPMCB is actively engaged around the US in fraudently putting charges on peoples credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: VA
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 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 2023-06-02
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 


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 explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Amount Deducted from account {$75000.00} USD Transfer Fees {$45.00} USD Other Fees* {$30.00} USD Total to Recipient {$75000.00} USD in international account. 
There is no currency conversion as transfer was USD to USD The " other fees '' of {$30.00} is not expected nor informed. Is being added at time of transfer.

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 2023-03-16
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I cancelled my XXXX services, at which time they ( XXXX ) indicated that I had to pay a termination fee of {$430.00}, which I disputed. I told them ( XXXX ) at that time that there were NOT authorized to charge my card for this. XXXX charged me anyway. Subsequently, I spoke with Discover and set up a dispute, at which time, I informed Discover that they were not authorized to post the XXXX charge and that I would deal with XXXX collections separately. I noticed on my current statement, that Discover went ahead and reposted the charge. This dispute is between XXXX and me and I will handle it outside of my credit card. The issue here is that I have informed both parties that they do NOT have my authorization to complete this charge and my wishes are being ignored. I want the {$430.00} removed from my credit card bill immediately as, as I have previously stated, XXXX can start collections for the money and I will handle that with an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
In according with the fair Credit Reporting Act 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 furbish an account without my written instructions.

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 2023-03-17
Company: ID Analytics, Inc.
State: NC
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:
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I need serious help from CFPB. I need some intervention to get Wells Fargo close my account and send me my funds. 

Wells Fargo has frozen my account since XX/XX/XXXX and they delayed a scheduled closure date of XX/XX/XXXX due to false claims of unauthorized transfers. They informed me that my account is scheduled for closure on XX/XX/XXXX and still they have not closed or initiated refund of my funds. 

I called executive branch and theyre all acting clueless as to when my funds will be released to me. 

Theyre scamming me in broad day light. I need my funds to continue my business. 

Attached is the letter of notification of a schedule closure

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 2023-06-30
Company: EQUIFAX, INC.
State: AE
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:
15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( XXXX ) XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

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 2022-05-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling and requesting TransUnion to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
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:
Someone at XXXX called me yesterday to verify my information. I asked them what this is in reference to and they stated a check that I wrote for a loan payment bounced. I asked them what the loan was for and the crediting bank. They could not provide me that information. I then told them they were wannabe scammers and used a couple of expletives and they hung up on me. This morning I learned from all 3 major credit bureaus that a soft inquiry was made on my credit report. I have called all 3 bureaus and XXXX XXXX to let them know this was not me and reported the fraudulent activity. XXXX XXXX declined the online loan request and listed the request as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation