BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: UT
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:
Showing late on my Equifax credit report as of XX/XX/22 please see image named Credit Report.jpg. This is incorrect.Tried starting a dispute on the Equifax website, but it isn't working. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to correct my inaccurate information on my credit report. I pulled my credit report on XXXX  and notice my personal information was incorrect. I then sent my dispute letters certified mail with proof of my identity & proof of residency by providing a bank statement on XX/XX/XXXX  to all three credit bureaus XXXX, XXXX and Experian to fix the inaccurate information. I even called on several occasions neither credit bureaus wanted to fix the inaccurate information even though I verified my identity over the phone. Its been a headache the way the credit bureaus handle consumers its like they get a kick out of not helping people fix the inaccurate errors. I will like if they stop violating the FCRA by reporting inaccurate information on my consumer credit file. My name should only be reporting just like my ID as XXXX XXXX XXXX and only ONE address XXXX XXXX XXXX and only ONE city, state, Zip code XXXX XXXX IL XXXX, MY DATE OF BIRTH XXXX should be corrected as well XXXX REFUSE TO CORRECT MY BIRTH YEAR. This correction should be easy to correct just like my dispute letter stated. XXXX feel as though due to me trying to correct my inaccurate information that XXXX working with a third party credit repair company. XXXX XXXX the supervisor of XXXX was the most disrespectful person to deal with consumers. He really argued with me that Im working with a third party company the amount of time he put in to go back and forth with a customer is ridiculous. I pray he find another profession that fit his need because he constantly insists on not correct the inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX from XXXX XXXX XXXX in the amount of {$100000.00} as a result of hitting a XXXX  jackpot. The check from XXXX  was written on a Bank of America XXXXaccount. I thought great, I have an account with BOA. I took the check to local branch on Wednesday of this week and asked specific questions about when the funds would be made available. They said they had to run it through the system first to see if there would be any holds. Did so and it can back with no holds. Teller explained that I should have access to the funds the following day. After completing the transaction and leaving the bank I get an email that they have placed a hold til XXXX morning at XXXX ( ok just XXXX  additional day, not tripping ). Then XXXX morning I receive an email stating that they placed an additional hold on the check because check specific information indicates item may be returned. They added an additional XXXX day to the hold saying funds would now be available XXXX after next ( XXXX days after the initial deposit ). I contacted BOA customer service to offer further clarification. First I was told the check was large. I replied yes large to you and me but not to multi XXXX dollar institutions like BOA and XXXX. Furthermore, the check is from a BOA account and they should be able to verify that it is good and funds are available. There should not be a risk of it being returned. The funds are there or not. I asked to have it escalated to a supervisor. I explained again that check was written on a BOA account ( XXXX ) and they should be able to authenticate and verify availability of funds. She said business accounts are different than personal accounts. Therefore, the verification was treated similar to an external bank. I called XXXX on that. I am unnecessarily missing out on the opportunity to collect interest on my own money for nearly XXXX weeks and at this point do not trust that BOA will honor releasing the funds to me XXXX days from now. They have proven to be untrustworthy and have not offered a justifiable reason for why they are not making my funds available to me so that I can benefit from the interest and other investment returns on my money.

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 2019-05-06
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft.

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 2021-11-24
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Genesis FS Card Services, Inc.
State: DE
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 am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have medical bills on my XXXX XXXX Transunion over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with XXXX XXXX Transunion and also have called.

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 2021-05-30
Company: Quality Asset Recovery LLC
State: FL
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:
QUALITY ASSET RECOVERY XXXX : When me my wife were relocating to Florida, we informed our landlord XXXX XXXX as we did not stay in the apartment for the final month of lease to keep our deposit as final rent and they agreed. Unfortunately, the leasing company still sent us to collections. We did not receive anything in the mail or receive any correspondence regarding anything. We moved to Florida to be closer to my XXXX XXXX and we had no choice but to move. We thought all our bills were handled and closed the door to Jersey. They did not keep to their word and did not kept the deposit without any issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

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 2023-06-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have submitted numerous hardship applications over the last XXXX months and PenFed claims they can't find them, or can not locate additional information I sent them at their request etc. Even when they were given tracking numbers, they took no action and I was foreclosed. I managed to get out to the foreclosure, and resubmitted again, but this time they denied my request due to a math error ( {$500.00} ) in my P & L statement. When I found this out I immediately called and was told that I would have to resubmit again but I sent in the " corrected '' XXXX & XXXX the day I spoke with the agent, which was the day I received their letter denying ( again ) my request but have heard nothing despite requesting to be contacted. I have written to the XXXX and their XXXX XXXX to no avail. 

This is clearly a pattern and practice to obtain financial benefit by fraudulently claiming loss of documents etc so that they may foreclose on property for their financial benefit. The documents I have are substantial and I will be pleased to mail them if needed. However, PenFed has all the documents I suspect, unless part of their fraudulent practice is to lose them.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company contacted me asking me to verify my information without telling me who they were or what the call was about. They continue to try to get me to say yes, or affirm my information in a very threatening manner. I would not verify because I felt it was a scam. They disconnected the call. I called the number back, asking them why they were calling me and then they gave me my wifes information instead of mine, saying they were not looking for me. They were actually looking for my wife. I told them that I was recording them the same way they were recording me and they hung up on me. I spoke with the supervisor XXXX during the call when I called back after he hung up, I called them back again and another gentleman by the name of XXXX answered the phone and said that it was my debt but he did not have the correct Social Security number. I asked them to remove my name from Their system and delete any information they have about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

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 2023-09-12
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/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 2022-12-07
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 

Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXX XXXX # XXXX, Account name : The bank of XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX 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 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., Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During 2020 XXXX had affected me because I was Out sick so i wasnt working & the company Credit Acceptance Corporation was in agreement with me that the payment would come out biweekly every XXXX  and the XXXX  of the month when i bought the car at the dealership XXXX XXXX Credit Acceptance Corporation Has been changing the date on my days that i am Supposed to pay, lying saying i made 33 agreements with them to pay which is not true as well. This has affected my credit profile overall and messed up my ability to buy a home and improve my credit because they have been reporting me late. In which I shouldnt be late Im only late because they switch my dates in the contract that we agreed to at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: OH
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... XXXX, Equifax, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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