BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
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:
I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated.

Followed up to inquire about the progress and was informed that the issue was being escalated for resolution.

Received notification of an investigation but no tangible progress in removing the fraudulent items.

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal. 

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  XXXXXXXX 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 2023-09-30
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal. Also there is an unauthorized inquiry on my consumer report that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-02-10
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:
XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing a complaint against TransUnion disputing these unknown inquiries. I have sent certified letter. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXXXXXX 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 I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MS
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:
The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft or incorrect reporting. These inquiries are currently being reported by XXXX, Equifax, and XXXX. 

XXXX. XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXX, XXXX XXXX. XX/XX/2023 XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2020-06-24
Company: EQUIFAX, INC.
State: MN
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 received a debt collection letter from XXXXXXXX XXXX   XXXX  in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies ( Equifax, XXXX   XXXX ). XXXX and XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, Equifax has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. Equifax is the only company that has refused to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX XXXX I pulled my credit report from experian and XXXX and XXXX and noticed that the balance of my car loan with arrivo acceptance had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of 2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current 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 2023-09-30
Company: EQUIFAX, INC.
State: IN
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:
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
Consumer complaint received 2022-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I/my business, XXXX XXXXXXXX XXXX XXXX XXXX XXXX was robbed in a postal theft on XX/XX/XXXX. I reported the theft and check-washing and rewriting to Chase Bank on XX/XX/XXXX. My Chase account was closed and a new account was opened. The stolen check had been rewritten for {$9500.00} and improperly negotiated at the XXXX XXXX  XXXX, the banker of XXXX XXXX. 
I was told that it would take 7-10 days to sort out my account and retrieve my funds. The timeline has grown exponentially to 120 days or more to settle my claim. I have been to, and written to, and faxed, and called Chase Bank at least 20 times trying to expedite my retrieval of funds. visits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Calls and letters to the Executive Office. Calls to the Claims/Fraud Dept. The Executive Office did respond with a letter to me on XX/XX/XXXX, outlining the timeline of my case and stating that they are waiting for XXXX XXXX XXXX 
Chase has repeatedly asked for my declarations to be resubmitted. Now, I am told that my claim is in the hands of XXXX XXXX XXXXXXXX. I am 10 days away from the date that Chase says constitutes 120 since my paperwork was " in. '' How do I know XXXX XXXX XXXX has my claim? How do I know I will be fairly settled? Should I wait 120 days? What if my claim is not at XXXX XXXX XXXX? 

I also repeatedly requested XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX from Chase Bank in order to stay solvent with the loss of {$9600.00}. The answer was always " No. '' Why? 
Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, three fraudulent accounts were opened using my SSN with Bank of America. I don't have an account there. I did have a credit card with Bank of America up until 2018 but closed it due to my frustrations with their customer service. After the first fraudulent account was opened on XX/XX/XXXX and I was alerted by email, I did everything that was suggested to freeze my credit. I went to the XXXX and put a hold on that. But despite this, another account was opened with my SSN on XX/XX/XXXX. I thought maybe the XXXX freeze hadn't taken effect yet so I didn't get angry about it. I got this account removed like the other one. 

The main frustration came next. I sort of relaxed a bit and thought that it was done but it wasn't. It turns out that more accounts were opened by Bank of America. This included on XX/XX/XXXX, the account that I thought I got removed which was reactivated on XX/XX/XXXX. Moreover, another account was opened with my SSN on XX/XX/XXXX. Whoever was doing this wised up and removed my email from the alerts. I didn't know until I checked my credit reports on XX/XX/XXXX. I did finally get someone to put a freeze on my SSN but who knows if that means anything with Bank of America. I spoke with someone online who just had another issue with a fake account so who knows. 

My frustration isn't with the fact that someone opened an initial account with my SSN. I get that that sometimes happens. My frustration with Bank of America is the three accounts that were created after. It shouldn't be so easy for fraudsters to continue to create accounts online with Bank of America after this happened. When someone freezes an account, it should be frozen and there needs to be a process. It should be assumed that the person calling up to complain is that with the actual SSN.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See document attached

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 2023-12-01
Company: Experian Information Solutions Inc.
State: WA
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: Was not notified of investigation status or results

Complaint:
See document attached

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 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ordered stereo from XXXX XXXX and had it finance through XXXX. I did not receive the item and XXXX XXXX told me they reached out to carrier ( XXXX ), and they show delivered and there's nothing can do. I reached out to the finance copany and they said XXXXXXXX XXXX shows its delivered they can not override it but there putting it on my Credit report. XXXX XXXX will not return my calls or emails. XXXX asked me to reach out to XXXX the carrier who delivered, I did and because they didn't tell me to do this unit il after XXXX deadline they can not open a dispute. XXXX emailed me proving I called and said XXXXXXXX XXXX has never reached out to them to start a dispute of where the item was.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXXXXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. Company has over 24 hr hold times to speak with agent 2. Their chat functionality does not work 3. They respond to emails in 4 or more business weeks What happened 1. Called EdFinancial, spoke to agent about different payment plan in XXXX. They approved and my monthly payment would be ~ {$240.00}. They said 3-4 business weeks to process so I asked about my XXXX payment since the new plan would not be processed by then. They confirmed both my XXXX and XXXX payments would be waived and I would begin paying in XXXX. 
2. I logged onto their portal and saw a balance past due in XXXX. Again, called and emailed company. Spent four hours on hold in XXXX and they confirmed same thing said they just had not updated system. 
3. When it came time to make my payment in XXXX, it was not the amount of my new payment plan and XXXX and XXXX were still marked as past due. 
XXXX. XXXX XXXX called again and they said that I was showing late for my XXXX payment because it had not processed. I paid five days prior to due date through online banking, with an account with plenty of money. Confirmed that it just had not processed and it should clear soon. Confirmed my monthly payment again would be {$240.00} per month 5. Week later receive email from EdFinancial stating my loan is in delinquency and I owe the XXXX, XXXX and XXXX amounts. Stated back to them I had spoke with three customer service reps and they waived XXXX and XXXX and XXXX was {$240.00} - which had been paid. 
6. Went into my account today on XX/XX/30 to pay XXXX and STILL see my payment plan has not been adjusted. Agent who emailed me has still not responded back and it has been several weeks.

Company response to consumer: Untimely response